Guesthouse Insurance

Guest House Insurance

Every bed and breakfast owner knows running a guesthouse although very rewarding carries risks to everybody involved and although it is your home as well as your business a normal home insurance policy won’t typically cover you and your guests for all the risks you may face.

Those risks can sometimes seem invisible until something unfortunate happens, and without the correct insurance in place, the cost of an accident or mistake could seriously impact your business, reputation, and livelihood.

Some brokers and online systems like to sell you one-size-fits-all cover. Not us. At Mobi we ask you the questions so that the right policy is provided through our panel of insurers, so if you have a bar, pool table, child outdoor area, open fire or even a swimming pool we will make sure the insurer quoted covers all the activities at the premises and the great thing is that by doing this you only pay for the risk you have.

Let us take the stress out of the searching for you, we are open 9am to 9pm 7 days a week so are available when you have that 10 minutes to sort out your insurance cover before you continue with your normal business activities that make you a successful Guesthouse.

We work closely with our insurer partners to provide the correct mix of residential and commercial insurance to make sure that you get a great deal and the correct cover in place for your insurance needs.

We will help you find the right protection which may include:

  • Buildings cover - could pay for repairs in the event of a fire, sudden flooding or vandalism for example.
  • Business and Residential Contents insurance - this will provide protection against fire, flood, burglary, theft or damage and more subject to the conditions of the policy
  • Guest effects covers you against loss or damage to your guests’ and employees’ personal possessions at your premises if you are legally liable for them
  • Business InterruptionThere are lots of different things that could halt your business’s work: theft, an electrical fire or flood are the more common issues covered by business interruption. But there are other potential issues too, such as the failure of public utilities, prevention of access to your premises, and even bomb scares.

Following an insured event, business interruption can cover the loss in turnover that you incur while trying to get your working life back on track. It can also cover your expenses while you set up your business in a new, temporary location.

  • Public liability insurance - is a type of business insurance. It covers the compensation costs and legal fees you are required to pay if a member of the public is harmed, or their property is damaged, because of your business activities.

More than just insurance
In the property owner’s industry, non-compliance of the various laws and regulations can have some serious consequences. We make sure cover is in place should something go wrong, but ultimately, we don't want to see anything go wrong in the first place.

Getting back up and running as soon as possible
We believe that our customers deserve more when it comes to support in the event of a claim. Although the actual claim will be handled by the insurance company, we believe that it is important for you to have the correct advice, therefore we have partnered with CEC to provide expert loss adjuster assistance. Once notified of your claim, we will contact CEC Claims and within 24 hours of notification to them, a professionally qualified Loss Adjuster will be personally assigned to your claim.

Your Loss Adjuster will then provide you with practical advice to help you in attending on site to meet with your Insurers or their representatives, compiling, presenting, negotiating the claim and verifying your loss. Managing risks associated with any business situation from which a potential claim to your insurers may arise. Gathering evidence to defend liability claims against you successfully. Taking measures to secure and make your premises safe. Mitigating your loss and salvaging any undamaged items. Minimising any disruption to you or your business/home.

Alternative product options offering enhanced levels of support hours are available as an upgrade option. Please don’t hesitate to ask for details: Platinum (Unlimited hours service with a mandatory post loss fee payable).

Please note that we are unable to provide this cover in relation to Motor vehicle claims