Bed and Breakfast Insurance

Compare 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, and without the correct insurance in place, the cost of an accident or mistake could seriously impact your business, reputation and livelihood.

It’s therefore essential to ensure you have the right guesthouse insurance to protect your buildings, furniture, stock and liability to employees and the public. We can arrange a policy that will protect your business against the unexpected.

Simply speak to one of our business insurance specialists and compare bed & breakfast insurance quotes today.

Insurance for bed & breakfasts and guesthouses

What insurance does my bed & breakfast need?

Insurance in the hospitality industry is unique to each individual business. Bed & breakfast insurance is no exception and must be tailored to your individual needs to ensure your guesthouse has the comprehensive protection it requires.

The risks associated with running a bed & breakfast are extensive and have the potential to impact the business’s ability to trade, leading to large financial loss. Ensuring your guesthouse is safeguarded against all eventualities is essential for business continuity.

Bed & breakfast or guesthouse covers to consider

There are many types of business insurance covers to consider when purchasing bed & breakfast insurance:

Bed & breakfast insurance covers explained

Bed & breakfast public liability & employers' 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. For instance, if a guest were to fall down the stairs and sustain an injury, they may be entitled to compensation. 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.

Guesthouse insurance can also cover your liability towards your employees, meaning that if they hurt themselves during their employment, employers' liability insurance should cover any costs and compensation awards.

Buildings, contents and stock cover for bed & breakfasts

Buildings, contents, guest effects and stock cover will also be a major consideration when buying bed & breakfast insurance. Typically, bed and breakfast insurance will cover against a host of perils, including fire, flood, theft, storm, subsidence and many more. With many guest house 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 guesthouse insurance should something unfortunate happen, so it’s important to take everything into account when selecting the level of cover you require.

Bed & breakfast business interruption cover

Bed and breakfast insurance can also protect your livelihood should you make a claim. For instance, if you suffered a fire at your premises meaning you were unable to trade, business interruption cover can safeguard your income and may cover additional expenses while you get back up and running.

Commercial legal expenses

Commercial legal expenses could also be added in to protect against things like employment disputes, criminal prosecution defence and more.

Cyber insurance

If you have a website, hold personal data about your bed & breakfast guests, suppliers or even employees, 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 getting in, but it can provide crucial support if your data is compromised.

Compare bed and breakfast insurance quotes

Whatever your bed and breakfast insurance requirements, we can help. Speak to an advisor today to get comprehensive and competitive guest house insurance quotes for your bed & breakfast.

If you would prefer us to call you, simply request a call back.