Bed And Breakfast Insurance
Buildings, contents and liability cover for bed and breakfast venues.
Bed And Breakfast Insurance
Buildings, contents and liability cover for bed and breakfast venues.
About Bed And Breakfast Insurance
24-hour claims helpline
Claims helpline available 24/7 for bed and breakfast insurance
Friendly specialist team
We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available Mon - Fri 9am – 7pm and Sat 9am-1pm
Spread the cost of your bed and breakfast insurance
You can spread the cost of your bed and breakfast property insurance over monthly direct debit instalments
Multiple bed and breakfast guests
We can cover your bed and breakfast for up to 10 guests staying in 5 rooms. If you have more speak to us directly to see how we can help
Features of Bed And Breakfast Insurance
Standard cover
Liability insurance for bed and breakfast venues
If your bed and breakfast guest suffers an accident on your property, and it’s linked to their stay, we will cover for up to £2m for third party claims.
Cover for guests’ belongings
We can cover your guests’ possessions up to a value of £1,000 in any one insured period, with a maximum of £1,000 in a year. 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
Our policy insures you for up to £100 per week for up to eight weeks to help your business tick along while repairs are made for escape of water and fire insured events.
Alternative accommodation cover
If your bed and breakfast property is your main residence and it becomes uninhabitable our policy can help towards covering the cost of getting you comfortable and safe.
Additional cover
Homecare emergency cover
You can add homecare emergency cover to your policy which gives you access to a 24-hour helpline and a network of reliable UK tradespeople.
Bed And Breakfast insurance's FAQs
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I have guests stay with me, but I don’t charge them. Do I still need this insurance?
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 at no charge you would not need this extra cover. Always check the terms of your current home insurance to confirm if it covers your requirements.
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How many guests can I have at one time?
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.
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Can I claim if my guest doesn’t pay?
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.
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Do you offer home emergency cover?
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.
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Are there any exclusions?
Are there any exclusions?
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
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Where can I find full details of my policy?
Where can I find full details of my policy?
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
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How can I pay for my premium?
How can I pay for my premium?
You can pay by debit card, credit card or monthly direct debit.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Call the claims team
on 01708 777 710 and explain exactly what happened
Provide photos if requested
to help us understand what happened as quickly as we can
