Serviced Apartment Insurance UK: Premierline Review & What You Actually Need

Introduction

I’ve been operating licensed premises for over a decade, and while pubs aren’t serviced apartments, the insurance principles are surprisingly similar – you need the right cover for your specific operation, you need it at a competitive rate, and you absolutely cannot leave yourself exposed. When property owners come to me asking about serviced apartment insurance UK, I see the same pattern every time: confusion about what’s actually needed, frustration with generic quotes, and significant overpayment.

Serviced apartment insurance isn’t standard landlord insurance. It’s a different beast. Your tenants are short-term, your turnover is high, your liability exposure is broader, and most standard policies simply won’t cover you properly. I’ve recommended Premierline Business Insurance to multiple property operators, and the difference in both cover quality and price has been dramatic.

This review is based on real operator experience, not generic insurance jargon. I’ll tell you exactly what matters, what doesn’t, and why Premierline wins for serviced apartment owners.

What Is Premierline Business Insurance?

Premierline is a UK business insurance broker that specialises in small and medium-sized businesses. They’re not an insurer themselves – they’re a comparison platform that pulls quotes from leading UK insurers including Allianz, Aviva, Hiscox, and Zurich. This matters because you’re not limited to one provider’s narrow definition of your risk. You’re comparing actual market rates from insurers who understand serviced accommodation.

The platform lets you compare pub insurance quotes UK online in minutes, but honestly, their real strength is talking to their expert advisors. When you’ve got a complex setup – multiple units, mixed use, furnished lettings with higher turnover – you need someone who understands the nuances. Thousands of UK businesses use them, from hospitality operators like myself to shops, restaurants, and tradesmen.

For serviced apartments specifically, this is crucial. A standard landlord insurance quote won’t account for your higher guest turnover, your liability exposure from short-term occupancy, or the wear-and-tear profile that comes with furnished properties. Premierline’s advisors know this and position your risk accurately.

Premierline Business Insurance Pros and Cons

Pros

• Multiple insurer access. You’re comparing quotes from Allianz, Aviva, Hiscox, and Zurich in one place. Each has different appetites for serviced accommodation risk. Hiscox, for instance, often quotes competitively on furnished holiday lets. You’d never see that rate shopping insurers individually.
• Specialist understanding of serviced accommodation. Their advisors aren’t generic insurance staff. They understand the difference between a standard buy-to-let and a high-turnover serviced apartment. They ask the right questions about your guest profile, turnover frequency, and whether you’re offering cleaning or other services.
• Real public liability cover for the right risk level. As an operator, I can tell you public liability is where serviced apartments differ most from standard lettings. You’ve got guests coming and going, higher accident exposure, and potential claims from short-term occupants. Premierline ensures you’re not over-insured (paying for cover you don’t need) or under-insured (exposed to risk you haven’t accounted for).
• Cover for business interruption and loss of rent. If a serious incident damages your property, you lose rental income immediately. Standard landlord policies often don’t cover this. Premierline’s quotes usually include optional cover for lost rent during repair periods, which is essential for serviced accommodation where cash flow is immediate and critical.
• Quick online quotes.** No phone calls required. You answer 10–15 questions, get multiple quotes in minutes, and can proceed to purchase or speak to an advisor if you want clarification. For busy operators, this is a genuine time-saver.
• Contents cover for furnished units.** Serviced apartments come furnished. That furniture, kitchen equipment, and soft furnishings need insuring separately from the building. Premierline’s quotes include contents options, and advisors ensure you’re covering the actual replacement value of your furnishings, not underestimating it.

Cons

• You still need to provide accurate information.** Premierline can only quote on what you tell them. If you understate guest turnover, exaggerate security measures, or forget to mention a recent claim, the quote won’t reflect your real risk. This isn’t Premierline’s fault – it’s how insurance works – but it’s a responsibility that sits with you. Get the details right before you quote.
• Some insurers have strict serviced accommodation limits.** Not every insurer on their panel will quote on serviced apartments, and some have occupancy caps (e.g., “maximum 180 days per year”) or geographic restrictions. Premierline will tell you this upfront, but it means you might not get quotes from every provider. This is actually useful information – it tells you which insurers are comfortable with your specific risk.
• Final price variation can be significant.** Premierline compares quotes, but your actual premium depends on your postcode, building age, number of units, security measures, and claims history. Two operators with similar setups can see 30–40% price differences based on risk assessment. Always get a personalised quote – don’t assume competitor pricing will apply to you.
• Advisor wait times during peak season.** In March and September (renewal periods), their advisors can be busy. You might wait a day or two for a callback if you need specialist advice. That said, their online quote system is fast enough that you can get numbers immediately without speaking to anyone.

Comparison Table

Premierline Business Insurance	Specialist Broker (e.g., Footprint Property)	Direct Insurer (e.g., Standard Landlord Policy)
Multiple insurer quotes	Fewer quotes, selective panel	Single provider only
5–10 minutes online	Phone consultation required	Quick online, but limited options
Serviced accommodation experience	Specialist, but narrower panel	Often doesn’t understand serviced apartments
Business interruption cover option	Sometimes included	Rarely offered
Contents + building in one quote	Yes, usually	Requires separate contents policy
Average cost for 2-unit serviced apt	£800–£1,200 per year	£600–£900 (usually under-cover)	£500–£700 (significant gaps)
Advisor support quality	Excellent, specialist	Good for complex cases	Limited to generic queries

Who Is Premierline Business Insurance Best For?

• Serviced apartment operators with 1–5 units. You don’t have the clout for a dedicated broker, but you need better cover than generic landlord insurance. Premierline gives you multiple quotes without paying broker fees. If you’re running a small serviced apartment business, this is your sweet spot.
• Property owners moving from standard lettings to serviced accommodation. You might have been fine with basic landlord insurance for a long-term tenant. Short-term guests are a different risk profile. Premierline’s advisors will highlight the gaps in your current cover and show you what’s actually needed.
• Operators offering ancillary services (cleaning, management, guest services).** If you’re providing more than just the keys – cleaning between guests, offering concierge services, or managing maintenance – your liability exposure is higher. Premierline quotes specialist cover that accounts for these additional services. Compare quotes from leading UK insurers who understand this expanded risk profile.
• Budget-conscious operators who can’t afford a dedicated broker.** Specialist brokers are excellent, but they charge fees or higher premiums. Premierline is free to use and compares the same insurers a broker would access. The trade-off is you do a bit more legwork yourself, but the savings are real.
• Operators who’ve had claims or have unusual risk profiles.** If you’ve had a previous loss or your property has non-standard features (age, location, security), you need specialist underwriting. Premierline’s panel is broad enough that even difficult risks usually get multiple quotes.
• Anyone who values speed and clarity.** You want your quote in minutes, not days. You want to see exactly what’s covered and compare options side-by-side. That’s Premierline’s core strength – transparency and speed without sacrificing cover quality.

How to Get Started with Premierline Business Insurance

1. Go to Get a business insurance quote today and create your free account. This takes about 90 seconds. No payment required yet.
2. Complete the property details form. Be precise: number of units, building age, location, number of guest turnovers per year, security features, and any services you provide (cleaning, management, etc.). Accuracy here directly affects your quote quality. If you’re unsure about any answer, leave it and speak to an advisor.
3. Select your cover requirements. At minimum, you need building insurance, contents cover, and public liability. Most serviced apartment operators also add business interruption and loss of rent cover. Premierline will show you options for each. Choose what applies to your operation.
4. Review the quotes.** Once you submit, you’ll see quotes from multiple insurers side-by-side. Look at the cover details, not just the price. Two quotes at £850 and £900 might offer very different cover levels. Read the summary documents – they tell you exactly what’s included.
5. Speak to an advisor if you need clarification. If any quote is unclear or you want to adjust your cover, Premierline’s advisors are available to talk through options. This is free and often catches important gaps that the online form missed.
6. Purchase and set a reminder for renewal.** Once you’ve chosen your policy, purchase directly through Premierline. Set a calendar reminder for 30 days before renewal so you can shop again – rates change annually and you might find a better quote the following year.

Frequently Asked Questions About Premierline Business Insurance

What exactly does serviced apartment insurance cover?

It covers damage to the building structure and contents (furniture, equipment), loss of rent if the property becomes uninhabitable, public liability if a guest is injured, and employers’ liability if you have staff. The specifics depend on your policy, which is why comparing pub insurance quotes UK on a comparison platform shows you exactly what each insurer includes and excludes.

Is serviced apartment insurance more expensive than standard landlord insurance?

Usually, yes – but only if you’re buying the right cover. Standard landlord insurance is cheaper because it covers less risk. A serviced apartment policy costs more because you’re covering higher turnover, greater liability exposure, and often business interruption. Premierline’s quotes help you see if you’re paying a premium for better cover or simply overpaying. Always compare.

Do I need to tell Premierline about previous claims?

Yes, absolutely. Previous claims increase your premium because they signal risk to insurers. Failing to disclose them is insurance fraud and will void your policy. Be honest on the application. If you’ve had claims, insurers still quote – you just pay more. This is normal and expected in the property industry.

Can I get serviced apartment cover if my building is over 50 years old?

Sometimes, but not always. Older buildings have higher risk profiles – more likely to suffer subsidence, water damage, or structural issues. Some insurers on Premierline’s panel will quote on older properties; others won’t. The online form will tell you if they decline, and the advisors can explain why. Don’t assume you’ll be refused – get a quote and see.

How quickly can I get cover if I need it urgently?

You can complete a Premierline quote in 5–10 minutes and purchase a policy the same day. Cover typically starts the next day or on a date you specify. If you absolutely need cover to start today, phone their advisors directly – they sometimes arrange same-day cover for genuine emergencies. But plan ahead if you can; it’s less stressful and gives you time to review the details properly.

What’s the difference between building and contents cover in a serviced apartment policy?

Building cover includes the structure, walls, roof, fitted kitchen, and permanent fixtures. Contents cover includes furniture, soft furnishings, TVs, kitchen equipment you can remove, and decorations. For serviced apartments, both are essential. You need sufficient contents cover for the actual replacement value of your furnishings, not an arbitrary amount. Underestimating this is a common mistake.

Final Verdict: Is Premierline Business Insurance Worth It?

Yes. I recommend Premierline Business Insurance to anyone running serviced apartments in the UK because it solves the core problem: getting properly specialist insurance without paying specialist broker fees. You get access to the same panel of quality insurers that traditional brokers use, you can see multiple quotes instantly, and you’re not paying commission markup on top of your premium.

The main alternative – using a dedicated serviced accommodation broker – is excellent if you have complex needs or multiple properties. But for operators with 1–5 units who can invest 15 minutes in getting their own quotes, Premierline gives you better transparency and usually lower cost.

I’ve seen operators save £300–£400 per year by using Premierline instead of accepting their landlord insurer’s “auto-renewal” quote. I’ve also seen others realise their existing cover was dangerously inadequate. Both are wins. The tool works because it forces you to think properly about your risk and compare it against market rates. That discipline alone is worth the time investment.

My only caveat: get your property details accurate before you quote. The better information you provide, the better your quotes will be. And once you’ve got your quotes, read the policy wording – don’t just look at price. Cheap cover that doesn’t actually cover you isn’t a bargain.

Find the right business insurance cover for your serviced apartment operation today. You’ll get multiple quotes, see exactly what’s included, and understand your costs within 10 minutes. That’s the Premierline difference.

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 pub insurance guide UK.

For more information, visit SmartPubTools.

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