Hotel and Guest House Insurance

Whether you have an established business or whether you are just starting up a guest house or bed and breakfast establishment for the first time, Platform Financial Services can advise you on insurance policies based on your individual needs and circumstances. We will advise on insurance policies specific to your needs and also work with you to help you identify, evaluate and manage your risk exposure.


Typically under a policy of this nature we would usually advise cover on an ‘Accidental Damage’ basis but some insurers still only offer ‘Standard Cover’ with ‘Accidental Damage’ cover being an optional extra.  When we gather information it would be helpful to know which basis of claims settlement you would prefer or just ask a member of the team who will be happy to explain the differences further.


Cover typically included from our panel of Insurers include:

Contents including seasonal increase on stock

Business Interruption

Damage to Glass

Loss of Money in transit or in a locked safe overnight

Refrigerated Contents

Public and Products Liability

Employers' Liability - £10,000,000 limit of indemnity

Goods in transit

24 hour Legal Helpline

Index Linking

Guests Personal Effects


With potential Optional extensions for:

Accidental Damage on Contents & Buildings


Insured's Personal Contents and Money

All Risks on Portable Property

Loss of License

Legal Expenses

Theft by Employees

Electrical or mechanical Breakdown of Equipment

Computer Breakdown


Guests Personal Effects

Property in the Open

* terms and conditions apply and not all features are available from all Insurers and available on all policies*


To discuss your requirements further, please speak with one of the team on 01772 702000


Experts in Home, Business and Life Insurance




Platform Financial Services Limited is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 596650.


Registered in England & Wales, Company Number 8377638. Registered Office address: Derby House Chambers, Suite 7, Lytham Rd, Preston PR2 8JE.

Trading address: as per Registered Office Address. Telephone: 01772 702000


The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily

targeted to customers in the UK.


© 2018 Platform Financial Services Limited