Guest House Insurance | Bed & Breakfast Insurance
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Guest House Insurance

Running a small hotel or guest house usually means sharing your home with guests and providing the personal touch that a larger Hotel Insurance policy does not offer.

What is Guest House Insurance?

Running a small hotel or guest house usually means sharing your home with guests and providing the personal touch that a larger hotel insurance policy does not offer. However, you will need to consider whether you have the right insurance cover in place. We often find that people think their business activities are covered under their home policies such as Household as they are run from home, which is not the case. 

Our specialist team have over 15 years’ experience and pride themselves on building long lasting relationships with clients. 

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What does Guest House Insurance cover?

Cover can include:

Cyber Insurance

A cyber insurance policy helps pay for financial losses they may incur in the event of a cyberattack or data breach. It can cover costs related to the remediation process, such as paying for the investigation, crisis communication, legal services, and refunds to customers.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Legal Expenses

If someone takes legal action against you or your company Legal Expenses cover will support you in the cost of going to court.

Loss of Income

In the event you are unable to run your business because of an event outside of your control such as a fire, this policy will cover your loss of income, making sure you are not left out of pocket.


Your policy can provide you with the cover for the theft of any business or personal money from your premises, and it also extends family members who permanently live with you at the property.

Product Liability Insurance

If products you use or recommend cause damage or harm, you can face claims for compensation. Product liability insurance will cover any pay-outs should a claim prove successful.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Why use Jensten


We are dedicated to our clients


We are the trusted broker to hospitality and leisure clients


Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.


Contact us on our website whenever suits you

Call our insurance experts during office hours (calls are charged at a local rate)


Find answers to common insurance questions

Which businesses can Guest House Insurance cover?

We can provide cover for a range of accommodation providers including: 

  • Caravans.
  • Conventional bed & breakfast.
  • Guest houses.
  • Self-catering accommodation.
  • Holiday homes.
  • Inns.

Need Guest House Insurance?

For comprehensive Guest House Insurance

Guest House Insurance

It’s important to get the correct Guest House Insurance for your property. To help you do that, here is our Guest House Insurance frequently asked questions.  We hope they are of use, but if you’d like some independent advice, please call us on 0800 368 9018and the team will be happy to help.

Elements of our Guest House Insurance are a legal requirement, e.g. Public Liability cover. However, we recommend ensuring all aspects of your property are covered to be safe. Events outside of your control can have detrimental impact on your business, including loss of income, so speak to one of our advisors today if you wish to discuss how we can best insure you and your property.

Yes! Our cover can also include:

  • Crisis containment.
  • Cover for ransomware.
  • Social engineering.
  • Telephone hacking / phreaking.