Guest House Insurance

Our Guest House Insurance is for businesses who...

Are a bed & breakfast (B&B), guest house or hotel with up to 12 guest rooms
Enjoy an annual income of up to £375,000
May also have a bar or restaurant
Don't provide spa, gym or health club facilities

More details on our Guest House Insurance can be found further down this page.

Cut your cost, not your cover - Guaranteed

If you find a cheaper guest house insurance quote for the same cover, we'll beat it - Guaranteed (terms and conditions)
Plus, you also get 0% interest on your monthly payments (Subject to status. For the first year only. 18s and over. Typical 0% APR.)
You can call our UK based business team on 0845 303 1742

Key features of our Guest House Insurance policy

Our standard Guest House Insurance policy includes...

Business contents (for example guestroom furniture, linen) cover for any amount to a maximum of £250,000
Employers' liability or damages, legal costs and expenses following injury to your employees up to £10m
Public and product liability for injury to the public or damage to their property, up to £2m
Loss of income following an insured incident up to £500,000 over a 24 month period
Accidental damage to your contents

As well as increasing many of the above limits you can extend the Guest House Insurance cover to include:

Your building (up to £2m of the rebuild value)
The contents of your home if you also live on the premises
Your household contents

Buy the correct guest house insurance policy with our quick & easy process

In order to make your quote process more straight forward, please have the following to hand:

your business contents value
your property's rebuild value (which is required if you want to insure the building)
details of any loss, damage, injury or disability during the past 3 years in connection with the business you wish to insure

Please also read the Assumptions page to find out more about the important statements you need to comply with.

Our quick and easy quote process consists of 2 stages:

Stage 1 - Your business details: Basic questions about you/ your business
Stage 2 - Your quote: A basic quote with options to increase some cover levels or add additional covers to suit your individual needs

From here you can proceed to review your quote summary and buy your policy - either by paying monthly or annually - it's that easy!

For more information about our Guest House Insurance, please visit the Summary of cover page, or for full details read the policy booklet.

We understand you have unique insurance requirements

Running a B&B, guest house or hotel presents its own set of challenges and our Guest House Insurance is designed to reflect that. That's why you're covered if one of your staff or guests injures themselves on your premises. We'll also protect you against loss of income if you have to close your business for a period of time following a claim. Storms, floods or fires can have a catastrophic effect, particularly during the high season, so it's reassuring to know you're covered against the worst that can happen.

With Direct Line for Business Guest House Insurance, whether you're covering guestroom furniture, the building itself, or business money on the premises or in transit to the bank, it's essential that you buy the right amount of cover. That's why we ensure our Guest House Insurance includes the standard cover for your type of business with the option to increase cover limits or add on cover to suit your individual requirements.

If there is a change in your business circumstances, such as expanding your business or taking on more staff, let us know and we'll adapt the Guest House Insurance quote to your needs and save you money wherever we can.

Getting a quote is quick and easy, just click 'Get a Guest House Insurance quote' and we'll guide you through the process.