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Bed and breakfast insurance

As the owner of a bed and breakfast, you have legal responsibilities towards the safety of your guests, as well as any staff you employ. You must also consider the security of everybody's belongings, including your own. It can be challenging to balance these obligations at the same time as trying to make your bed and breakfast a success.

Get a quote for bed and breakfast insurance

Standard bed and breakfast insurance cover includes:

  • Contents cover - automatic up to £50,000 (higher limits also catered for)
  • Full accidental damage including damage by paying guests
  • Theft by guests included whether or not there is evidence of a break in
  • Liability to paying guests - up to £2 million
  • Employers' liability - up to £10 million
  • Loss of income - up to £6,000
  • No deductions for wear and tear
  • Cover for personal effects outside of the home (all risks on personal possessions)
  • Matching sets cover (normally excluded on standard home insurance policies)

Main exclusions:

  • Policy excess of £50

Maximum number of guests at any one time is six.

Get a quote for bed and breakfast insurance