Woman sitting on bed having breakfast

Hotel, B&B and Guesthouse Insurance

Specialist cover for all types of hotel or guest house including bed and breakfasts, boutique hotels to a country club or franchised chains. Tailored cover including offsite catering, marques, weddings & special events, gymnasiums, beauty salons, swimming pools & other leisure facilities

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What is Covered with B&B Insurance?

Our Bed and Breakfast insurance packages were developed specifically to address the unique risks of hoteliers in a single straightforward policy.

We can provide protection for commercial property, contents, fixtures and fittings or stock, as well as liability exposures including Public Liability, Products Liability, and Employers Liability cover. Our expert team will arrange the right level of cover for you over the phone to provide you with complete peace of mind.

Woman sitting on bed having breakfast

Public Liability for Hotels, Guesthouses and B&Bs

As a Bed & Breakfast owner, Public Liability cover comes highly recommended. Public Liability will cover you from claims of accidental damage to third-party property, bodily injury, illness or accidental death. This can apply to guests or other members of the general public but excludes your employees.

For example, a guest slips on a bathroom floor where there should be slip-protection or becomes ill from a contaminated breakfast item.

Commercial Buildings Insurance for B&Bs

Protect your building from physical damage with a specialist policy from Insync. Cover your property from flooding, fire, storm damage and more.

If you are the owner of your building, the building insurance is your responsibility. However, if you are renting the premises, you will need to check who is responsible for insurance your landlord before the start of the tenancy.

Business Interruption Cover for Guesthouses and B&Bs

Business Interruption insurance comes recommended for any business owner. BI cover will support your business during periods of closure or partial-operation following an insured event.

For example, the West Wing of your guesthouse suffers extensive storm damage. While repairs are being carried out, your business is only able to operate at a limited capacity resulting in a loss of income.

If you have adequate Business Interruption insurance, any financial losses during your indemnity period can be recouped to prevent your business from falling into arrears or having to lay off staff.

Why choose insync for Hotel, Guesthouse and B&B insurance?

In today’s digital world, business has evolved, so why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for hospitality businesses throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!

Guesthouse, Hotel & B&B Insurance

  • Specialist cover for all types of hotel or guest house including bed and breakfasts, boutique hotels to a country club or franchised chain
  • Commercial buildings cover – Emergency repairs, flood & fire protection
  • Single or multiple location Freehold hotels or leasehold businesses
  • Cover with previous claims or history of subsidence
  • Hotel contents (including specialist catering equipment), wet & dry stock and fixtures & fittings
  • Offsite catering, marques, weddings & specialist events
  • Gymnasiums, beauty salons, swimming pools & other leisure facilities
  • Signage & glass
  • Business Interruption (loss of profit)
  • Additional cover for Business Money including cash machines
  • Legal liabilities such as Public, Employers & Product Liability
  • Legal Expenses cover

Why choose Insync for B&B Insurance

  • We compare prices and cover from our panel of leading hotel insurers
  • Feefo Platinum Status Service Award-winning customer service team 
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from liability insurance specialists
  • Personal – Digital servicing AND your own dedicated insurance professional

Guesthouse, Hotel & B&B Insurance

  • Specialist cover for all types of hotel or guest house including bed and breakfasts, boutique hotels to a country club or franchised chain
  • Commercial buildings cover – Emergency repairs, flood & fire protection
  • Single or multiple location Freehold hotels or leasehold businesses
  • Cover with previous claims or history of subsidence
  • Hotel contents (including specialist catering equipment), wet & dry stock and fixtures & fittings
  • Offsite catering, marques, weddings & specialist events
  • Gymnasiums, beauty salons, swimming pools & other leisure facilities
  • Signage & glass
  • Business Interruption (loss of profit)
  • Additional cover for Business Money including cash machines
  • Legal liabilities such as Public, Employers & Product Liability
  • Legal Expenses cover

Why choose Insync for B&B Insurance

  • We compare prices and cover from our panel of leading hotel insurers
  • Feefo Platinum Status Service Award-winning customer service team 
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from liability insurance specialists
  • Personal – Digital servicing AND your own dedicated insurance professional

Brilliant Agent

The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Exclusive FREE Benefits for all customers

At Insync, we are dedicated to delivering to our customers not only superb prices but a satisfying customer experience.

As a thank you for joining us, our customers can enjoy access to our exclusive benefits platform, Insync Benefits.

This is entirely free to our customers. Our Insync Benefits platform provides you with discounts and offers from some of the biggest high street brands.

Frequently
Asked B&B Insurance
Questions

We have prepared a list of the questions we are regularly asked by Customers before and after buying a policy.

If you need further help we are always available.

While most business insurance is not a legal requirement, it is likely that when you licence your B&B or guest house with your local authority that they will request proof of public liability insurance cover.

Another insurance policy that may be a legal requirement for your business is Employers Liability Insurance. Employers Liability protection is required for any staff you hire, whether they are full-time or part-time if they are outside your immediate family. EL provides cover for compensation claims following injury or illness to an employee as a result of their employment with your business.

A standard home insurance policy is not suitable if you have paying guests. Cover on a household policy will not provide any cover for residents’ injuries or business contents.

Even if you only plan to operate as an occasional bed and breakfast business, you should inform your insurers immediately. It is likely they will request that you arrange commercial property insurance.

Failure to inform your insurer could result in claims not being met, putting your largest asset at risk.

Every hotel, B&B or guesthouse presents different insurable risks; as such, each policy is individually tailored to your specific requirements.

Key rating factors for insurers include:
● The location of the property (post-code)
● Construction and number of guest bedrooms
● If events such as weddings or conferences are offered
● If the hotel has an alcohol licence
● Sums insured (contents, fixtures and fittings, stock etc.)
● Trading or hotel industry experience and previous claims history
● Sections of cover requested

Our Bed and Breakfast insurance packages were developed specifically to address the unique risks of hoteliers in one simple policy.

We can provide protection for commercial property, contents, fixtures and fittings or stock, as well as liability exposures including Public Liability, Products Liability, and Employers Liability cover. Our expert team will arrange the right level of cover for you over the phone to provide you with complete peace of mind.

A basket fryer caught alight in the kitchen, and while the chef was trying to put out the flames, the fryer tipped onto him, causing severe burns.

The guest house owner received a compensation claim from the employee’s solicitors for injury and stress brought on by the incident claiming that the fryer was not suitable for commercial use. Total claim estimates currently exceed £20k.