Bed and breakfast insurance

When opening your home to the public there are a number of things to consider when it comes to adequate insurance. Standard household policies won’t cover you for risks associated with bed and breakfast ownership so it is important to choose specialist cover.

Our bed and breakfast insurance cover has been developed to encompass risks associated to running your business such as visitors damaging your property, or injuring themselves and holding you responsible. Our handy bed and breakfast insurance includes buildings, contents and third-party liabilities meaning no need for three separate policies.

Don’t compromise on your bed and breakfast insurance, contact our team today for no-obligation quote on 0870 770 7183.

Key features of bed and breakfast insurance

Buildings

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc. (See pollicy summary for full details).

In addition, cover is provided for:

• Alternative accommodation or loss of hiring charges following an insured loss
• Accidental damage (only if accidental damage is shown on policy)
• Damage caused by emergency access
• Costs of tracing and accessing leaks (up to £50,000)

Contents

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc. (See pollicy summary for full details)

In addition, cover is provided for:

• Accidental damage (only if accidental damage is shown on policy)
• Garden ornaments and furniture (up to £750)
• Loss of domestic fuel and metered water (up to £1000)

Liability

• Public liability up to £5 million
• Employers liability up to £10 million

Excess

• £250 standard excess for each claim
• £500 standard excess for water escape claims
• £1,000 standard excess for subsidence claims (Increased excesses may apply)

Additional features

• No call centre, our team are office based so you’ll get expert help when you call
• 24 hour claims and emergency helpline

Please note: Certain perils may be excluded when your holiday home has been unoccupied for more than seven days. Please refer to our pollicy summary for more detail on exclusions.

For more details contact us on 0870 770 7183 or fill out an online enquiry form to request a call back. Alternatively visit our frequently asked questions page.

Other insurance products we may be able to help with:

• Holiday Home Insurance
• Overseas Holiday Homes Insurance
• Holiday Home Long Term Let Insurance