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In the UK long term rentals are governed by their own legislation and regulations and have been for many years @Peaches
I’m surprised you don’t have tenancy rights or other regulations such as building codes that relate to LTR.
As an LTR I have to abide by a range of regulations that STR owners don’t such as annual boiler checks, fire regs, EPC ratings, tenancy deposit deposit schemes etc
This is not adversarial. It is about public safety. I went through public hearings and inspections from every agency. The ordinances are important, they protect me and the community, as well as the paying guests. And yes, you should definitely get business insurance.
Airbnb terms of service state that we are obligated to comply with all local regulations and laws.