Running a bed & breakfast is very different from operating a standard home or a large hotel. You are welcoming paying guests into your property, often while still living on-site, which creates a unique mix of personal and commercial risk.
Bed & Breakfast Insurance is designed specifically for UK B&B owners, providing protection for buildings, contents, guest liability, employer responsibilities, and loss of income if your business is interrupted.
Bed & Breakfast Insurance is a specialist form of hospitality insurance tailored to smaller accommodation providers. It recognises that many B&Bs are owner-occupied properties with a limited number of guest rooms, shared spaces and mixed residential and commercial use.
A standard home insurance policy will almost always be invalid if you take paying guests. Likewise, a generic commercial property policy may not properly reflect the risks of overnight accommodation, guest injury or food service.
Guest safety is one of the biggest risks faced by bed & breakfast owners. If a guest slips, trips, falls or is otherwise injured while staying at your property, you could be held legally responsible.
Public Liability Insurance protects you against compensation claims and legal costs arising from injury to guests or damage to their belongings.
Your property is often both your home and your business. Buildings insurance covers the physical structure of the B&B, while contents insurance protects furniture, fittings, furnishings and guest amenities.
Many B&Bs have higher-quality furnishings, bathrooms and communal areas than standard homes, which must be reflected in sums insured.
If your B&B is forced to close following insured damage, Business Interruption Insurance can help replace lost income and cover ongoing costs such as mortgage payments and utilities.
This cover is especially important for owner-operators who rely on their B&B as their primary source of income.
Having specialist B&B insurance meant we were covered properly when a guest was injured on our stairs.
B&B Owner, Lake DistrictCan I use home insurance if I run a B&B?
Do I need employers’ liability insurance?
Is food poisoning covered?
Does this cover Airbnb-style short lets?
Guest houses represent a vital part of the UK's hospitality sector, offering travelers a more personal and intimate accommodation experienc…
Running a seaside guest house combines the charm of coastal living with the complexities of hospitality business management. While …
Family-run guest houses represent the heart of British hospitality, offering personalized service and authentic local experienc…
Running a guest house is a rewarding but complex business venture that comes with unique risks and challenges. From property da…
Operating a guest house in a historic building presents unique opportunities and challenges. These properties, often centuries o…
Running a luxury guest house is a rewarding but complex business venture that requires careful attention to risk manageme…
Guest houses that provide food services face unique insurance challenges that combine accommodation risks with food service …
Running a guest house involves significant investment in furniture, equipment, and amenities that create a comfortable experience…
Running a guest house involves providing hospitality services that go beyond simply offering accommodation. From personalized …
Running a guest house involves numerous responsibilities, from ensuring guest comfort to maintaining property standards. However, …
Running a guest house in partnership brings unique rewards and challenges. Whether you're business partners sharing ownership, family memb…
Walking holidays have become increasingly popular across the UK, with guests seeking authentic experiences in scenic loc…
Running a guest house involves more than just providing comfortable accommodation – many establishments offer transport services t…
Running a guest house involves numerous health and safety responsibilities that can expose your business to significant fina…
Guest houses that host events face unique insurance challenges that standard accommodation policies may not adequately address. From wedding…
Running a guest house involves numerous legal risks that can arise from daily operations, guest interactions, and regulatory …
In today's digital age, guest houses face an unprecedented level of cyber risk. From online booking systems to payment processing …
Running a guest house in a bustling city environment presents unique challenges and opportunities. From managing diverse clientele to nav…
Running a guest house comes with unique risks that traditional business insurance may not fully cover. Guest liability …
Running a seasonal guest house presents unique challenges and opportunities that require specialized insurance coverage. Wheth…
The hospitality landscape has transformed dramatically with the rise of online booking platforms. Guest houses, bed and break…
Running a guest house involves navigating complex licensing requirements that can make or break your business. From planning permissi…
Running a guest house is a rewarding but challenging business venture that requires significant investment in pro…
Guest house buildings insurance is a specialized form of commercial property insurance designed specificall…
Running a guest house is a rewarding business that brings together hospitality, property management, and customer service. However, with gues…
My Account
