Bed And Breakfast Insurance

Your guest may be short-stay but our insurance is with you all year round.

  • Home and contents insurance for guest houses and B&Bs
  • Have up to six guests staying in three rooms
  • Have more guests, or rooms? Speak to us directly to see how we can help

Get a quote and buy your insurance online

Get a quote

Discuss your requirements and buy over the phone

0344 892 1750
0344 892 1750

We’re here for you Weekdays 9am - 7pm, Sat 9am - 1pm

Norman in his dressing gown
Hercule

Our B&B insurance is more than just great home cover. Find out how our B&B owners benefit from our insurance

Cover for guests belongings

We can cover your guests’ possessions up to a value of £1000 in any one insured period. This means you can make multiple claims but is capped at £1000 until you renew your policy. This covers most luggage items including phones, laptops, jewellery and cosmetics however, we are unable to cover your guest’s personal cash.

Loss of booking income due to an insurable event

Naturally you’ll want to protect your income, but if something unexpected happens such as a burst pipe or a fire, you’ll need to make sure you’re covered if your guests can’t stay. Our policy can insure you for up to £100 per week for up to eight weeks to help your business tick along while repairs are made.

Liability insurance for your bed and breakfast

If a guest has an accident on your premises which is linked to their stay in your property you may be liable and have to pay out compensation. It might be towards the repair of something damaged or because they have been injured as a result of the accident . Either way, the policy can pay out up to £2m to a third party. Just beware this cover does not apply to you or someone who is related to you.

We’re well connected

We do our best to cover as many B&Bs as possible. If we can’t cover you though, we’ve probably got a friend who can. Our policy is limited to B&Bs with six guests staying in three bedrooms but if you’re B&B or guest house is a bit bigger, let us know and we’ll happily source you a policy.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Bed And Breakfast Insurance Claims

We recommend you report your claim as soon as possible and we have a 24 hour claims number so you can call us straight away.

Once reported, our claims team will call you back no more than 24 hours later with the next steps for your claim, hopefully we’ll get things sorted nice and quickly for you.

Need to make a claim?

Call or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible.

01708 777 710

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Bed And Breakfast Insurance FAQs

I have guests stay with me but I don’t charge them. Do I still need this insurance?

Unrelated guests that stay in your property you would not need this extra cover. Always check the terms of your current home insurance but it’s likely this will be adequate cover for your situation.

How many guests can I have at one time?

This particular policy is limited to six guests staying in three rooms. Unfortunately this policy does not cover six people in six rooms or anything over six people in your B&B at any one time. If you require more cover for more guests or rooms, please still get in touch and we’ll source you a more suitable policy.

Can I claim if my guest doesn’t pay?

Our B&B policy does include loss of income but only in the case of an insured peril such as escape of water or fire. If a guest stays with you but refuses to pay, we are unable to pay out for this circumstance.

What does 'new for old' mean?

It means that the item referred to will be replaced for its current value as new, so without a deduction for wear, tear or age.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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