Bed and Breakfast Insurance

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What is Bed and Breakfast Insurance?

Bed and breakfast insurance is a form of commercial insurance policy designed specifically for small hospitality businesses, such as B&Bs, guest houses, inns, and similar establishments.

This insurance provides coverage for property, liability, and other risks unique to the hospitality industry. With the right policy, you can ensure peace of mind for both your property and your guests, no matter what challenges come your way.

Types of Properties Covered by Bed and Breakfast Insurance

B&B insurance is ideal for various types of hospitality businesses, including:

  • Bed and Breakfasts: Offering accommodation and breakfast to guests
  • Guest Houses: Small-scale lodgings, often in residential buildings
  • Inns: Larger properties with additional amenities, such as a bar or restaurant
  • Holiday Cottages: Self-contained accommodations rented out on a short-term basis
  • Farm Stays: Rural lodgings that allow guests to experience a farm environment

Each property type has unique needs, and bed and breakfast insurance can be tailored to cover specific risks for your particular establishment.

Compare Bed and Breakfast Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Bed and Breakfast Insurance

What our Comparison Expert Says

‘Running a B and B? Bed and Breakfasts are often run by families or small teams of people. We suggest always protecting your property with a comprehensive policy that will leave you to do the bits you enjoy!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Bed and Breakfast Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What Does Bed and Breakfast Insurance Cover?

A comprehensive B&B insurance policy typically includes the following coverage options.

Public Liability Insurance

Protects you if a guest is injured or their property is damaged while staying at your B&B. This is crucial for any business that welcomes the public onto its premises.

Employers' Liability Insurance

Required if you have employees, this covers claims if an employee is injured or falls ill due to work.

Buildings Insurance

Covers the structure of your property in case of damage due to fire, flooding, or other unexpected events.

Contents Insurance

Protects furnishings, equipment, and guest belongings against damage, theft, or loss.

Business Interruption Insurance

Provides compensation if your B&B is unable to operate due to a covered event, such as fire or flood.

Legal Expenses

Covers costs related to legal disputes, such as contract disputes or guest claims.

Cancellation Insurance

Protects you against losses if guests cancel their bookings unexpectedly.

What is Not Covered by Bed and Breakfast Insurance?

While bed and breakfast insurance provides broad coverage, there are some exclusions to be aware of.

General Wear and Tear

Standard policies do not cover routine wear and tear or maintenance costs.

Deliberate Damage

Damage caused intentionally by the owner, employees, or guests is generally not covered.

High-Risk Activities

If your B&B offers high-risk activities (e.g., water sports, adventure tours), additional insurance may be necessary.

Uninsured Events

Policies may exclude certain natural disasters like earthquakes or other specific events unless added as an optional extra.

Understanding the exclusions in your policy is crucial to ensure you’re not left vulnerable to potential financial losses.

Who Needs Bed and Breakfast Insurance?

Any property owner who offers short-term lodging, whether a dedicated B&B, a guest house, or even a holiday cottage, should consider B&B insurance. It’s especially critical if:

  • You operate a B&B business on a full- or part-time basis.
  • You have paying guests staying overnight.
  • You offer on-site services, such as meals or entertainment.
  • You employ staff, even on a temporary or seasonal basis.

If you welcome guests into your home, bed and breakfast insurance will protect your property, your business, and your guests.

How Much Does Bed and Breakfast Insurance Cost?

The cost of B&B insurance varies based on several factors:

  • Property Size: Larger properties or those with more rooms may have higher premiums.
  • Location: B&Bs located in high-risk areas (e.g., flood zones) may see higher costs.
  • Coverage Options: Adding optional coverages, such as cancellation or business interruption, can increase the price.
  • Claims History: A history of previous claims could raise premiums.

On average, UK B&B insurance premiums start from around £200 annually, but costs can range widely depending on your unique business needs.

How to Compare Bed and Breakfast Insurance Quotes

When comparing B&B insurance quotes, consider the following steps:

  1. Assess Your Coverage Needs: Identify what coverage types are essential for your business, from public liability to contents insurance.
  2. Gather Multiple Quotes: Compare at least three different insurers to find competitive pricing and options.
  3. Review Exclusions: Make sure you understand what is not covered to avoid any surprises.
  4. Consider Customer Reviews: Check for feedback on customer service and claims processes.
  5. Consult an Insurance Broker: A broker can offer expert guidance on policies that suit your specific requirements and budget.

Frequently Asked Questions

B&B insurance is not legally required, but public liability and employers’ liability insurance are highly recommended and may be legally required if you have employees.

Yes, many insurers offer flexible policies that can cater to seasonal businesses, ensuring you only pay for coverage during active periods.

Many insurers offer policies designed for homeowner-operated B&Bs. Standard homeowners insurance may not cover paying guests, so a dedicated policy is essential.

If you serve food, public liability insurance typically covers any guest illnesses resulting from your food services. It’s important to follow food safety standards.

Contact your insurer directly and provide detailed documentation of the incident. Photos, receipts, and witness statements can speed up the process.

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