Disclosure: This article was written by Shaun McManus, licensee of Teal Farm Pub in Washington, Tyne and Wear. It contains affiliate links to Premierline Business Insurance. If you purchase a policy via our link we may earn a commission at no extra cost to you. All figures referenced are for informational purposes only and do not constitute financial or insurance advice. Always review policy terms before purchasing.
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Introduction
I’ve been operating licensed premises for over a decade, and one thing I’ve learned the hard way is that getting the right insurance cover sorted early saves you thousands down the line. When I started exploring Airbnb host insurance in the UK, I quickly realised that most property owners are either massively underinsured or paying double what they should because they don’t know how to compare quotes properly.
That’s why I’ve been using Premierline Business Insurance for my own renewal cycles and testing it with other operators. It’s genuinely one of the fastest ways to find competitive cover without spending hours ringing around individual insurers. In this review, I’ll walk you through exactly how it works, what you get, what doesn’t quite hit the mark, and whether it’s actually worth using compared to going direct.
Bottom line: if you’re a UK property owner offering holiday lets or short-term lettings via Airbnb, Premierline saves you time and money. But there are a few things you need to know before you get a quote.
What Is Premierline Business Insurance?
Premierline is a UK business insurance broker that specialises in getting small and medium-sized business owners insured quickly. They compare quotes from leading UK insurers including Allianz, Aviva, Hiscox, and Zurich—all from one simple online form or phone call.
For Airbnb hosts and short-term let operators, Premierline can help you find cover that actually suits holiday accommodation rather than standard buy-to-let insurance. Standard landlord policies often exclude short-term lettings, and that’s where most owners trip up. You can find the right business insurance cover online in minutes, or speak to an expert advisor over the phone if you want to discuss your specific situation first.
The company has been used by thousands of UK businesses—from pubs and restaurants to shops and tradesmen—so they understand the real-world complexities of operating a commercial property. You don’t get a generic quote; you get options from multiple insurers that actually understand holiday accommodation risks.
No upfront fees, no hidden charges. You get a quote, review the policy terms, and only pay if you decide to buy.
Premierline Business Insurance Pros and Cons
The Pros
- Multiple quotes from genuine insurers in one place. Instead of ringing Allianz, then Aviva, then Hiscox separately, Premierline pulls quotes from all of them at once. For someone running a property on Airbnb alongside other work (like I do), that’s genuinely valuable.
- Holiday let specialists on the team. When you ring or chat online, you’re not talking to a generic call centre. Their advisors actually understand the difference between standard landlord insurance and short-term let cover. They’ll tell you which covers matter for holiday accommodation and which are optional.
- Instant online quotes. The form takes about 5–10 minutes to complete. You answer questions about your property, occupancy, guest numbers, and current cover, then get multiple quotes straight away. No waiting 48 hours for a callback.
- Transparent comparison. You see what each insurer is offering, the excess levels, cover limits, and price. No hidden clauses buried in the small print at quote stage. You know exactly what you’re comparing.
- Switching is easy. If you’re already insured elsewhere and want to move, Premierline handles the admin. They’ll liaise with your current provider and arrange the changeover so there’s no gap in cover.
- Phone support included. Not everyone wants to do this online, and that’s fine. You can call and speak to someone who actually knows the sector. I’ve always found their advisors helpful and patient, especially when explaining what you do and don’t need.
The Cons
- You still need to read the policy terms yourself. Premierline gets you the quotes and explains the basics, but they’re a broker, not legal advisors. You need to review the full policy wording before you buy to make sure it actually covers your specific situation. Some hosts think “get a quote” means “I’m covered,” and that’s not how insurance works.
- Price varies massively by location and property type. A flat in London will cost very different to a cottage in the Cotswolds. Premierline’s quotes are accurate for your specific property, but you can’t use one person’s renewal premium as a guide for your own. Always get a personalised quote—never assume yours will match what you’ve read online.
- Some niche cover isn’t available through them. If you need something very specific—like cover for beachfront properties or properties with pools—you might need a specialist insurer outside Premierline’s panel. They work with strong insurers, but they don’t have access to every underwriter in the UK.
- You have to be fairly proactive about comparing the quotes yourself. Premierline gives you multiple options, which is brilliant, but they won’t tell you “pick this one.” You need to weigh up excess levels, claim excess waivers, and cover limits yourself. Some hosts find that decision-making process a bit overwhelming.
Comparison Table: Premierline vs Direct Quotes
| Feature | Premierline Business Insurance | Going Direct to Aviva | Using a High Street Broker |
|---|---|---|---|
| Time to quote | 5–10 minutes online | 15–20 minutes per insurer | 24–48 hours minimum |
| Number of quotes | 4+ from different insurers | 1 (just that insurer) | Usually 1–2 |
| Expertise in holiday lets | Yes, built-in specialist knowledge | Generic customer service team | Depends on broker |
| Phone support | Yes, included | Yes, but generic | Yes, but slower response |
| Upfront cost | None | None | Often includes broker fee |
| Best for | Fast comparison, multiple options | If you already know the insurer | If you need hand-holding |
Who Is Premierline Business Insurance Best For?
- Airbnb hosts and holiday let owners. If you’re renting out a property short-term, standard landlord insurance won’t cover you. Premierline specialises in getting hosts the right cover quickly. Compare quotes from leading UK insurers that actually understand holiday accommodation.
- Busy operators who don’t have time for individual insurer calls. If you’re running a pub, managing other properties, or working full-time while hosting, you don’t have hours to spend ringing insurance companies. Premierline gets multiple quotes in one go.
- Property owners who want to actually understand their cover. Premierline’s advisors will explain what public liability means, why accidental damage cover matters for holiday lets, and which optional add-ons you actually need. This is crucial for hosts who’ve never bought business insurance before.
- Anyone switching providers mid-term. If your current holiday let insurance is renewing soon and you want better rates, Premierline handles the comparison and switch seamlessly. No admin headache on your end.
- Hosts with multiple properties. If you manage several Airbnb listings across different locations, Premierline can quote you on all of them and help you understand which covers apply across your portfolio.
- Self-employed operators who need multiple insurance types. If you’re a host but also a freelancer or business owner needing employer’s liability or professional indemnity, Premierline can help bundle quotes. I use them for exactly this reason across my own operations.
How to Get Started with Premierline Business Insurance
- Go to Find the right business insurance cover and create your free account. You’ll need your email address and basic details about your property and business.
- Complete the online questionnaire. Tell them about your property (flat, house, cottage), location, guest capacity, whether you offer meals or just accommodation, and any current insurance details. This usually takes 5–10 minutes.
- Review the quotes that appear instantly. You’ll see multiple options from different insurers, with the cover type, excess, and annual premium for each. Compare the policy features as well as the price.
- Click through to the full policy details for any quotes that interest you. Read the exclusions and cover limits carefully. This is where you find out if it actually covers your specific situation—for example, whether it includes accidental damage or covers permanent structural damage from guest incidents.
- Either buy online directly or call their advisor team to discuss any questions before you purchase. If you want to talk through your specific setup (e.g., you also rent out a parking space, or you offer breakfast), their team can clarify what each policy covers before you commit.
Frequently Asked Questions About Premierline Business Insurance
Does Premierline Business Insurance cover Airbnb hosts?
Yes. Premierline compares quotes from insurers who specifically offer holiday let and short-term rental cover. Standard landlord insurance doesn’t cover Airbnb lettings, but Premierline’s panel includes policies that do. Always check the specific policy wording covers your type of letting—some exclude commercial events, for example. Get your free insurance quote now to see what’s available for your property.
What’s the difference between holiday let insurance and landlord insurance?
Landlord insurance assumes long-term tenants (6+ months). Holiday let insurance covers short-term guests, which means higher turnover, higher risk of accidental damage, and different liability exposure. Holiday let policies typically include accidental damage cover and higher public liability limits. Standard landlord policies often exclude holiday letting entirely, which is why you need specialist cover for Airbnb.
How much does Airbnb host insurance cost through Premierline?
Premiums vary based on your property location, size, guest capacity, and claims history. A small flat in a low-risk area might cost £300–500 annually, while a larger property or high-turnover location could be £800+. Premierline’s quotes are personalised to your property, so you won’t know your actual cost until you complete their form. Get your free insurance quote now to see real figures for your specific situation.
Can I use Premierline if I already have Airbnb host insurance?
Absolutely. Premierline is designed for renewals and switches. If your current policy is coming up for renewal or you’re not happy with your current provider, Premierline will compare quotes from other insurers. Many hosts find they can save 20–30% by switching—it’s worth checking every 12 months.
Do I need public liability insurance for Airbnb?
Yes, it’s essential. If a guest is injured in your property and sues you for negligence, public liability cover protects you against the legal cost and compensation claim. Most holiday let policies include public liability as standard, but cover limits vary (usually £1–6 million). Premierline’s advisors can explain what limit makes sense for your property type and location.
How quickly can I get insured through Premierline?
Instant online quotes appear as soon as you submit the form (5–10 minutes). You can buy cover the same day. If you need to start your cover on a specific date, just note that when you complete the purchase and the insurer will activate it accordingly. There’s no waiting period if you buy before your current policy expires.
Final Verdict: Is Premierline Business Insurance Worth It?
Yes, absolutely. I’ve tested this against going direct to individual insurers and using other brokers, and Premierline consistently wins on speed, clarity, and choice. For Airbnb hosts in the UK, the value isn’t just in the quotes—it’s in knowing you’re comparing genuinely relevant cover from insurers that understand holiday accommodation.
The cons are minor and mostly about you doing your homework (reading the policy terms, getting a personalised quote rather than guessing from examples online). Those aren’t flaws in Premierline; they’re just the reality of buying insurance properly.
As someone who operates pub insurance guide UK resources and manages my own properties, I recommend Premierline because it genuinely saves time without sacrificing choice. You’re not locked into one insurer or one policy. You see what’s available, understand what each policy covers, and make an informed decision. That’s exactly how insurance buying should work.
If you’re a UK property owner offering short-term lets, Get a business insurance quote today and see what rates are actually available for your property. Don’t assume you’re getting a good deal until you’ve compared. Most hosts I know have found they can save money and get better cover by switching—and that usually happens because they finally got around to comparing properly.
This article is for informational purposes only and does not constitute financial or insurance advice. Always obtain a personalised quote and review policy terms before purchasing.
Built by Shaun McManus, licensee of Teal Farm Pub in Washington, Tyne and Wear. Pub Command Centre gives pub owners a single dashboard to track sales, staff costs, labour percentage, and gross profit in real time. Free to use, no spreadsheets required, set up in 30 minutes. — Pub Command Centre — Pub Management Tool
For more information, visit SmartPubTools.