Find a specialist guest house insurance broker
Guest houses and B&Bs sit between home and hotel — and standard policies often get them wrong. CoverBroker matches you with a broker who places bed-and-breakfast and guest house risks daily.
Free, no obligation — you don't pay a fee to be matched.
How we match your guest house risk
The right guest house insurance broker depends on your rooms, guests and whether you live on site. When you submit an enquiry we ask about these, then match on the criteria below.
Rooms and occupancy
From two letting rooms to a full guest house — brokers who rate on your real occupancy rather than hotel defaults.
Live-in owners
If the property is also your home, a specialist structures buildings and contents cover to reflect both uses.
Food and licensing
Breakfast service, evening meals or an alcohol licence each change the risk. The right broker presents them properly.
Seasonal income
Business interruption sized to your peak season, so a summer claim doesn't pay out against winter takings.
Your documents are safe
Upload your current guest house policy schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your insurance documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Guest house insurance questions
- What does guest house insurance cover?
- A typical guest house or B&B policy combines buildings, contents (both yours and guests'), public liability, business interruption, food hygiene liability and loss of licence if you serve alcohol. A broker tailors it to your room count, seasonality and whether you live on the premises.
- Why can't I just use home insurance for my B&B?
- Standard home insurance excludes paying guests. If a guest is injured or a fire starts in a letting room, a home policy can decline the claim. A guest house policy — placed by a specialist broker — covers both your home and your business use properly.
- Does guest house insurance cover guest injuries and belongings?
- Public liability covers guest injury claims, and guests' property cover can be added for their belongings. A broker makes sure limits reflect your maximum occupancy, not a default figure.
- What if I only let rooms seasonally or through Airbnb?
- Short-term and platform lets are rated differently again. A specialist broker knows which insurers accept seasonal, holiday-let and platform-listed properties without punitive terms.
- What documents help a guest house insurance broker quote accurately?
- Your current policy schedule, statement of fact and renewal invitation, plus your room count and whether you serve food or alcohol. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist guest house insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Looking for a related specialist? hotel insurance broker, restaurant insurance broker and property insurance broker pages.
Get a guest house insurance broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist guest house insurance broker — with an optional free AI review of your current cover.