Bed and breakfast insurance

Insurance cover for bed and breakfasts

There are obviously implications for your insurance when you open your home to the public. You need to be prepared for situations like a visitor damaging your property or injuring themselves (and holding you responsible).

However, the day-to-day running of the business is time consuming enough without having to worry about whether your insurance protects you adequately.

We have over 20 years' experience in bed and breakfast (B&B) insurance. Over this time, we have evolved the type of cover that we think encompasses everything you might worry about and even some of the things you might not yet have worried about as a bed and breakfast owner.

Buildings, contents and third-party liabilities are all included in this policy, eliminating the need for three separate policies.

Key features of the product

Buildings

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc. (see key features for full details). In addition, cover is provided for:

• Alternative accommodation or loss of hiring charges following an insured loss
• Accidental damage
• Damage caused by emergency access Make an enquiry
• Costs of tracing and accessing leaks (up to £50,000)
• Your legal liability as owner of your home

Contents

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc. (see key features for full details). In addition, cover is provided for:

• Accidental damage (only if accidental damage is shown on your policy schedule)
• Garden ornaments and furniture (up to £750)
• Replacement locks if keys are lost or stolen (up to £250)
• Spoilage of food in freezers (up to £250)
• Loss of domestic fuel and metered water (up to £1000) Make an enquiry
• Pedal cycles (up to £200)
• Your liability as occupier, employer, tenant and in a personal capacity (up to £5million)

We are also able to insure your main residence.

Please note: certain perils may be excluded when your home has been unoccupied for more than seven days. Please refer to our key facts document for more details.

For more details see our Frequently Asked Questions or contact us.