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Bed And Breakfast Insurance

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

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

Get a B&B insurance quote and buy online

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Discuss your requirements and buy over the phone

0344 892 1750
0344 892 1750

Weekdays 9:00am - 5:30pm

Features of our bed and breakfast insurance

Cover for guests’ belongings

We can cover your guests’ possessions up to a value of £1,000 in any one insured period. This means you can make multiple claims but is capped at £1,000 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 be aware 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 ten guests staying in five bedrooms but if your B&B is a bit bigger, let us know and we’ll happily source you a policy.

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

Bed And Breakfast Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your B&B insurance:

Renting Out Your Second Home


Renting out your second home

If you're in the happy position of having found and funded a second home it's important to ensure you get the most from your investment. While you and your family will almost...

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Welcome Mat


What to Do if Your Tenant Stops Paying Rent

Being faced with tenants who won't pay their rent is a situation no landlord wants to find themselves in. It’s possibly the most stressful part of a landlord’s job. However, if you take the right steps it doesn't have to turn into a nightmare. Here is our guide on what to do if your tenants don’t pay.

What is a tenancy deposit protection scheme?


What is a tenancy deposit protection scheme?

As a landlord, you look after the deposit of your tenant. Take a look at our guide to find out what is legally required and why a protection scheme is good for you and your tenants.

Phil Spencer Specialist Home


Does your property need specialist home insurance?

Many of us like to think of our home as special and unique – and in insurance times, this is more likely than you may think! Phil Spencer's checklist explains whether your home might fit the bill.

Bed And Breakfast Insurance FAQs

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

For 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 ten guests staying in five rooms. Unfortunately this policy does not cover six people in six rooms or anything over ten 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 insurance 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.

Do you offer home emergency cover?

Yes, you can add cover for home emergencies to your property insurance policy.

  • Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property
  • Extend to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations
  • Access to a 24-hour helpline and network of reliable UK tradespeople

Please talk to your Towergate adviser for details.

How can I pay for my premium?

You can pay by debit card, credit card or monthly direct debit.

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