Guest House Insurance

Flexible Guest House Insurance

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. Doing these tasks means you may face a number of risks on a daily basis. You’ll need comprehensive guest house insurance to protect you, your customers and your reputation.

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. We can help arrange 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.

Key Features and Benefits

• Quotes from a panel of A-rated insurers.
• Single, flexible policy — tailor made to suit your requirements.
• Dedicated adviser throughout your policy.
• No midterm amendment fees should you need to make a change.
• Access to a 24-hour legal helpline.
• Flexible payment options including direct debit.
• Access to documents anytime, anywhere via our secure portal.

What Type of Guesthouse Insurance do You Need?

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 guesthouse may be a small family-run business, or you may have a larger portfolio of properties. But no matter the size, it’s still advisable to have adequate business insurance in place. 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.

Public liability and Employers liability

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 suffer an injury or falls ill. It can also cover you for claims for compensation as well as the legal costs associated with a claim.

Employers liability insurance is a legal responsibility if you employ staff or have volunteers working for you.

Buildings insurance

As your guest house itself is the main asset of your business, you’ll need buildings cover 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.

Products liability insurance

If you offer food at your guest house, you’ll also need public and product liability insurance to safeguard against potential food poisoning claims for example.

Business interruption insurance

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

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 bed and breakfast insurance.