guesthouse insurance

Guest House Insurance

Smei has a Team of Hospitality Insurance Experts Who Specialise in Guest Houses

Running a guest house can be hard work: you have to ensure your guests are well looked after, manage and liaise with suppliers, and either cook and clean yourselves or employ staff to do it. In undertaking these tasks, you may face a number of risks on a daily basis, so you need comprehensive guest house insurance to protect you, your customers and your reputation.

As your guest house itself is the main asset of your business, you will need buildings insurance in case of accidental damage, fire or storm damage for example. And for all of your fixtures and fittings, and your guests’ belongings, you’ll need contents insurance. If you offer food at your guest house, you’ll also need public and product liability to safeguard against potential food poisoning claims.

If you are unable to trade for a period of time, you may also want to consider business interruption insurance to cover any financial losses.

Smei has been working with small and medium sized businesses across the UK since 2002, and we appreciate that each individual business has its own risks and challenges. Our quality customer services team takes the time to learn about your business and arranges a flexible policy that meets your requirements, which can develop and grow as your guest house business evolves.

To find out more about our specialised guest house insurance, or to obtain a guest house insurance quote for your business, contact smei today for a chat with our friendly, knowledgeable team.

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Contact our team to receive a no obligation, instant quote today.

91% of our customers would recommend our service

What our guest house insurance covers:**

  • Accidental damage.

  • Book debts/account receivable.

  • Business interruption.

  • Contents insurance.

  • Employers liability.

  • Glass.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

Optional Covers:**

  • Embedded breakdown.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Why Guest House Insurance is Important

As the owner of a business, you don’t want to think that the worst could happen, but you need to ensure you’re protected in case it does. Your guest house may be a small or large business enterprise, but no matter the size you may still need business insurance. Business insurance for guest houses can be vital if an accident happens or a mistake occurs. It provides financial support and can provide legal cover too.

As the owner of a guest house, you’re responsible for the welfare of customers and any staff you employ. This means your insurance needs to include public liability and employers liability insurance. Public liability insurance can protect you should a guest suffers an injury or falls ill. It can also cover you for claims for compensation as well as the legal fees associated with a claim.

Each type of guest house insurance policy is designed to protect against specific risks that can crop up within your everyday business activities including cover for the building, furniture, any stock you hold, employees, and of course the members of the public who stay with you.

In order to be fully protected, make sure that you speak to an expert in guest house insurance to arrange the right level of cover for your business.

In additional to specialist guest house insurance, smei also provides tailored hotel insurance and B&B insurance.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

91% of our customers would recommend our service

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

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