Specialist Holiday Let Insurance for the UK and Europe
Last Updated on February 26, 2026 by admin
If you own a holiday let complex, multiple holiday rentals, or self-catering accommodation in the UK or abroad, talk to our team today. We can advise you on the best course of action you can take around Commercial Holiday Let Insurance for your property.
What makes us specialists?
Boshers Insurance has been providing Insurance since 1976, and specialist Holiday Let Insurance for over 35 years. Decades of experience means we’re well placed to not only source but advise on your Holiday Let Insurance. This can ensure you are properly protected and can avoid the pitfalls of underinsurance, inaccurate insurance, and even gaps in your cover.
So, whatever your property type, whether it is cottage in Scotland, or an apartment in Portugal, you can get our help as professional intermediaries to arrange accurate cover for your property. And we don’t stop there. Should you need to make an insurance claim we can advise and guide you through the process, ensuring that a quick settlement is made.
Owning a Holiday Let can be a great way of making extra income. Or it might be your primary business, which you rely on to live. Either way, your business needs financial protection that won’t let you down.
You will need Holiday Let Insurance if you own a holiday home or cottage complex which you rent to paying guests for short-term holidays, usually for 31 continuous days or less.1
Buildings & Contents
Boshers can provide you with high quality cover for your Buildings & Contents. You can choose from Buildings, Buildings & Contents, or just Contents Insurance, although we strongly recommend that you arrange cover for buildings and contents if your holiday let is furnished.
If you run multiple holiday rental properties or self-catering accommodation, Buildings Insurance covers your property for fire, storm damage, flood, theft, and malicious damage. Contents Insurance can cover any moveable items in your property around damage or theft.
Holiday Let Facilities and Activity Equipment
If you have made additions to your property with facilities such as games rooms, outdoor play areas, hot tubs, or a swimming pool, you’ll need cover to protect them from accidental damage. Liability Insurance is also key to covering your back around any injuries or accidents related to high-risk areas such as play areas and swimming pools.
Public Liability Insurance
This policy will specifically protect you for litigation around injuries or illness caused by your business. For example, if a child slips whilst running around your swimming pool and breaks their leg, you could face serious legal issues. Even if you’re found to not be responsible for the accident, legal fees related to the case can add up to reach a high figure.
Employer’s Liability Insurance
This insurance provides a financial ‘buffer’ around liability claims made by your employees. If people help run your holiday let business (gardeners, maintenance people, and cleaners) it is a legal requirement in the UK to have Employer’s Liability cover. This policy can be used to pay for expenses associated with employees becoming injured whilst working for or at your business.
Loss of rental income
Extreme weather conditions (storms, floods and heatwaves) can take their toll and seriously affect your property. If your buildings or outside area are damaged and need repairing, your business might be out of action for some time.
Finding contractors and building materials (especially for listed buildings) can also be challenging and repair work can take weeks, sometimes months. If you have based your financial forecasting on rental bookings and you need to cancel guest stays whilst building works are done, you could lose valuable income. Loss of Rental Income Insurance can cover lost revenue while your property is being restored.
Pet Damage Insurance
Accommodating guests with pets can boost your holiday let bookings and popularity. But with years of experience providing Holiday Let Insurance, we hear of properties damaged by guests’ companion animals. While this is unintentional, it can lead to expensive clean-ups and replacement costs (think: muddy paws on the carpet or a torn sofa). Our specialised Holiday Home Rental Insurance can include cover that pays for any pet-related accidents or damage.
As a holiday cottage complex owner, you’ll be busy managing bookings, hosting guests, and ensuring everything runs smoothly. What you don’t want is insurance that is unreliable and lets you down at the time of making a claim (should you need to make one). By talking to our team about your requirements, we can get a good understanding of your holiday let business and tailor your insurance to be fit for purpose.
Call: 01237 429444
Or email: info@boshers.co.uk
- https://www.gov.uk/government/publications/furnished-holiday-lettings-hs253-self-assessment-helpsheet/hs253-furnished-holiday-lettings-2022#:~:text=The%20pattern%20of%20occupation%20condition,a%20FHL%20for%20that%20year.
Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.
