Guest House Insurance

Standard home insurance won't cover a B&B or guesthouse. Opening your home up to paying guests comes with new risks not accounted for in standard home insurance. You’ll need business insurance to ensure your business activities are fully covered, even if you have an existing home insurance policy. 

While some insurance is mandatory, many others are also essential for peace of mind. Including legal expenses. This covers any legal costs associated with lawyers and taking legal action against common issues, such as disputes with guests or suppliers. Legal expenses cover can only be used if there is a good chance the claim will succeed.

Guest house insurance could start from £1.79 a day*

But two insurers are the same, so it’s difficult to give a solid figure for what you might be paying for an annual insurance policy. The following will affect the price of your premiums: 

• Extent of cover - The more cover you opt for, the more expensive your package is likely to be. 
• Your insurer - The insurer you choose will also influence costs. 
• Business activities - The type of services you offer will play a big part in determining the scope of your cover, influencing costs. 
• Location  – Where you are located is taken into consideration when calculating the price of your premiums. 
• Claims history - Whether or not you’ve had claims made against you or you have made previous claims may affect your future premiums. 

_{*This price is for a hotel package – 10% of customers who were sold with one of our panel providers paid £651.66 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £54.31 a month or £1.79 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use our knowledgeable insurance team who work with a panel of trusted insurers to find you the right cover. Our UK-based team helps business compare insurance quotes to find the right one that fits. Get in touch with us today by starting a quote online.

We normally provide the policies included above, but every insurer is different. For full details of exclusions on your insurance product, please see the documentation sent to you or ask a member of our knowledgeable insurance team. For new customers, call 0808 253 4304 or 0808 253 4304 if you are an existing customer.