0333 320 6009
0333 320 6009
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Bed & Breakfast Insurance

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Safeguard your business with bed & breakfast insurance

Every bed and breakfast owner knows running a guesthouse carries risks to everybody involved, from staff to guests to visitors. But those risks can sometimes seem invisible until something unfortunate happens.

At Premierline, we understand the unique needs and challenges faced by owners of bed and breakfast establishments. As a proud owner of a B&B, you provide a warm and inviting experience for your guests, and we're here to ensure that your business is protected every step of the way.

We have many years of experience arranging B&B insurance, enabling us to arrange tailored insurance solutions from our panel of trusted insurers, specifically designed for bed and breakfasts. Trust our experts to find the right insurance covers for your B&B so you can have peace of mind knowing that your property, guests, and livelihood are safeguarded against unexpected events.

Contact Premierline today to schedule a free consultation with one of our experienced insurance specialists, so you can focus on providing unforgettable experiences for your guests.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Bed & breakfast insurance cover in detail

What is bed & breakfast insurance?

Bed & breakfast insurance is a package of insurance covers designed to provide comprehensive coverage for B&Bs and their owners. It combines various types of insurance covers into a single policy to protect the physical property, contents, liabilities, and business operations associated with running a guesthouse. This insurance typically includes property coverage for the buildings and contents, liability coverage for guest injuries or property damage, business interruption coverage, and additional options tailored to the specific needs of guesthouse owners. B&B insurance provides financial protection and peace of mind, ensuring that the business is safeguarded against potential risks and liabilities.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Guests at a hotel check in desk

Public liability insurance

Providing accommodation for guests has many associated risks, and public liability insurance can protect you if they were to injure themselves while at your premises.

Public liability claims for bed & breakfasts could include:

When locating their room, a guest trips on some loose carpet and falls down the stairs sustaining an injury. A guest claims that the food served by your business made them sick, leading to medical expenses and loss of income. At breakfast an employee spills hot coffee on a customer, causing burns or other injuries.

Without public liability insurance, your B&B could face significant financial losses in the event of a claim. Having public liability cover included within your B&B insurance can protect your livelihood against potentially large compensation awards and costly legal expenses that may be associated.

Hotel guest at check out

Employers' liability insurance

Bed & breakfast insurance can also cover your liability towards your employees. As an employer, you’re legally obliged to protect your staff in case of an accident at work. Most B&B insurance policies can include employers’ liability insurance to take care of this for you.

Examples of claims that could be made by employees include:

Workplace injuries - if an employee is injured while performing their duties such as cleaning a guest bedroom, they may make a claim for compensation. Illnesses related to work conditions - if an employee falls ill due to hazardous working conditions or exposure to hazardous substances, they may make a claim against the employer. Unlawful dismissal - if an employee makes a claim for unfair dismissal, employers liability cover may provide financial support for legal defence and any settlements that may result from the case.

Employers' liability insurance is crucial coverage for B&B owners, as it protects them from financial losses related to claims made by employees.

Chef with an injury at work

Personal accident cover

Considering the possibility of an employee or customer injuring themselves while you work is crucial; but how would you cope financially if you were unable to work following an accident at your bed & breakfast? A simple fall or slip at work could leave you out of action. Personal accident cover is designed to provide financial protection in the event of you having an accident or injury while at work.
Freshly made bed in a hotel room

Property covers

Property insurance for bed & breakfasts can provide cover for the B&B's buildings and their contents, including furniture, fixtures, and equipment. This type of insurance typically covers loss or damage due to fire, natural disasters, theft, and other perils specified in the policy.

With many B&B proprietors sharing aspects of their private accommodation with their guests, protecting your belongings and valuables is essential. The expense of replacing carpets, fixtures and fittings, lighting, plumbing and wiring can all be covered by your B&B insurance should something unfortunate happen, so it’s important to take everything into account when selecting the level of cover you require.

By obtaining property business insurance, B&B owners can protect their investments, assets, and livelihoods. It provides financial security, peace of mind, and a safety net in the face of unexpected events or accidents that could disrupt their operations.

Open for business sign in a cafe window

Business interruption

Business interruption insurance for Bed & Breakfasts provides financial compensation to the B&B in the event of a covered loss that prevents the B&B from operating. For example, in the event of a fire, the B&B may need to close for repairs, resulting in lost income. Business interruption insurance can help cover this lost revenue.

The purpose of business interruption insurance for B&Bs is to provide financial stability during unexpected events that may prevent the B&B from operating, allowing it to continue to run and recover from a covered loss.

Judges gavel in a courtroom

Commercial legal protection

Commercial legal protection can be included in your bed & breakfast insurance policy, the cover is designed to provide businesses with financial protection and support for legal costs related to commercial disputes and other legal issues.

Commercial legal expenses can help to minimise the financial impact of such incidents and provide peace of mind knowing that your B&B has access to legal support when it is needed.

Bartender waiting at the bar

Loss of licence

Loss of Licence insurance can provide compensation if the B&B owner loses their licence to operate due to a covered event. This type of insurance coverage is designed to help protect B&B owners from the financial consequences of losing their licence to operate, allowing the B&B owner to continue to run their business and recover from a covered loss.
Guests arriving at a hotel with suitcases

Guest effects insurance

Designed specifically for the hospitality industry, this cover typically insures you against loss or damage to your guests' personal possessions if you're legally liable. The cover may also extend to include employees' possessions, as well as damage to the guest room and its contents. The purpose of guest effects insurance is to provide peace of mind for guests and to protect the hotel from financial losses in the event of theft, loss, or damage to guests' personal property.
Employee working at the bar on a laptop

Cyber & data insurance

If you have a website, hold personal data about your bed & breakfast guests, suppliers or employees, or rely on computer systems as part of your day-to-day business, then you have a cyber and data exposure that you may wish to protect. Cyber insurance can’t stop a hacker from getting in, but it can provide crucial support if your data is compromised.

Bed & breakfast insurance FAQs

As a B&B owner, having bed & breakfast insurance is highly recommended. While in most cases it may not be legally required, guesthouse insurance provides essential protection for your property, liabilities, and business.

The risks associated with running a bed & breakfast are vast and have the potential to impact the business’s ability to trade, possibly leading to large financial losses. Ensuring your guesthouse is safeguarded against all eventualities is essential for business continuity and should be considered by all business owners.

At Premierline, we offer a range of bed & breakfast insurance policies that can be as simple or comprehensive as you need depending on your business needs. When deciding what insurance you need to protect your B&B, you should consider the following:

  • Public liability - for injured guests or damage to their property.
  • Employers' liability - to protect your employees.
  • Personal accident - provide valuable benefits and financial support for business owners.
  • Buildings cover - to cover for loss or damage to your guesthouse.
  • Equipment, contents and stock - to reinstate your items and belongings.
  • Business interruption - to keep finances running when disaster strikes.
  • Money cover - for theft or attempted theft.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
  • Business legal expenses - to cover the cost of legal expenses or defend your business against legal action.
  • Guest effects insurance - typically insures you against loss or damage to your guests' personal possessions.
  • Cyber and data cover - protection in the event of a cyber-attack or data breach.
More information

The cost of insurance for a bed & breakfast will depend on several factors, including the size and location of the B&B, the types of covers required, the value of the assets being insured, and the overall level of risk associated with the business.

It is difficult to estimate the cost of insurance for a bed & breakfast without taking these factors into account. The best way to get an accurate estimate of the cost of insurance is to speak to one of our insurance advisors who can assess the specific needs and risks of your business and provide a quote from a recommended insurer.

Whether you’re just providing accommodation, or have different facilities for your guests to enjoy such as a restaurant or spa, we’re here to make arranging your bed & breakfast insurance simple and hassle-free. We understand the pressure of running a business which is why we’ve made it easy for you to compare quotes and covers from some of the UK’s leading insurers.

As a business insurance broker, we can source insurance for a range of different bed and breakfast and accommodation businesses. Whether you run a small lodging, or operate with a larger offering, our team are able to find the best insurance to suit your demands and needs. Here are just some of the common types of B&Bs we work with:

Guesthouses, small hotels, urban B&Bs, historic bed & breakfasts and country inns.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

useful description of image if informative and not decoration only.

We're Business Insurance Experts

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Business Owner
Customer since July 2017
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a bed & breakfast insurance expert

Contact Premierline today to schedule a free consultation with one of our experienced B&B insurance specialists. We will assess your unique requirements and provide you with a tailored insurance solution that meets your needs and budget.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

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