Guesthouse or Bed & Breakfast Insurance

We provide expert business insurance for your B&B and Guesthouses across the UK

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.

Public Liability for Guesthouses and Bed and Breakfasts

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.

Compare Bed & Breakfast Insurance Quotes

At Insync, our team of dedicated insurance advisors understand the hotel industry. We can compare guest house or hotel cover from our panel of leading UK insurers in minutes. No forms, no fuss, just great advice with instant quotations and cover – why complicate things?

B&B and Guesthouse Business Interruption

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.

Need specialist Hotel & Guesthouse Insurance advice?

Speak to one of our Hotel & Guesthouse insurance experts, at a time that suits you...

or call us directly on

01200 309 516

GUESTHOUSE & 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 Insync for B&B Insurnace

  • 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

FAQs for B&B Insurance

IS BED & BREAKFAST INSURANCE COMPULSORY?

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.

WHAT'S THE DIFFERENCE BETWEEN HOME INSURANCE AND GUEST HOUSE INSURANCE?

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.

HOW MUCH DOES B&B INSURANCE COST?

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.

WHAT IS AN EXAMPLE OF AN B&B INSURANCE CLAIM?

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.

IS BED & BREAKFAST INSURANCE COMPULSORY?

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.

WHAT'S THE DIFFERENCE BETWEEN HOME INSURANCE AND GUEST HOUSE INSURANCE?

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.

HOW MUCH DOES B&B INSURANCE COST?

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.

WHAT IS AN EXAMPLE OF AN B&B INSURANCE CLAIM?

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.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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