B&B insurance covers explained
B&B 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 B&Bs
Buildings, contents, guest effects and stock cover will also be a major consideration when buying B&B 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.
B&B 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.
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 & 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 B&B. If you would prefer us to call you, simply request a call back.