Bed & Breakfast Insurance

Operating a bed and breakfast involves more than offering a place to sleep, it’s about delivering a personal and professional guest experience while managing all the responsibilities of a small business. From welcoming travellers to maintaining high standards in cleanliness, catering, and safety, running a B&B is full of opportunity and risk.

Our tailored bed and breakfast insurance policies are built to protect your property, guests, income, and reputation, giving you the confidence to focus on what matters most, creating a memorable stay.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Bed and Breakfast Insurance?

Specialists in hospitality and small business insurance
Access to 20+ leading UK insurers
Flexible cover for hybrid personal-commercial properties
Dedicated account managers and fast claims support
Fast, hassle-free quoting process
Flexible policy terms and competitive pricing
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What Is Bed & Breakfast Insurance?

Bed and breakfast insurance is a specialised type of business insurance designed to protect small accommodation providers against the risks they face on a daily basis. It combines elements of home insurance and commercial cover to protect both your personal and business assets.

Whether you’re running a rural cottage, seaside retreat, or guest house in a historic town, a tailored insurance policy ensures you’re protected against damage, liability, interruptions, and unforeseen events.

Why Do B&Bs Need Specialist Insurance?

Standard home insurance policies typically exclude commercial activity, which means that if you host paying guests, your property and contents may not be fully covered.

Bed and breakfast insurance can help ensure your livelihood is protected from:

  • Accidents involving guests
  • Food poisoning or allergic reactions
  • Fire, flood or storm damage
  • Theft or vandalism
  • Business interruption due to unexpected events

A single claim could cost thousands, having the right policy protects your finances and your future.

Who May Need Bed and Breakfast Insurance?

This type of policy could be essential for:

  • Traditional bed and breakfasts
  • Guest houses
  • Farm stays and rural retreats
  • Seaside B&Bs
  • Owner-occupied lettings with breakfast provision
  • Multi-room family-run establishments

If you offer paid overnight accommodation in your home or dedicated guest property, you may need the right insurance to stay protected.

 

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What Does Bed and Breakfast Insurance Cover?

Our flexible B&B insurance packages can be built around your needs. Core covers typically include:

1. Public Liability Insurance

Protects against claims made by guests or visitors who suffer injury or property damage while staying at your premises. Essential if you provide accommodation to the public.

2. Employers’ Liability Insurance

Often a legal requirement if you hire staff, including cleaners, cooks, or part-time assistants. Covers compensation costs if they become injured or ill due to their work.

3. Buildings Insurance

Protects the physical structure of your B&B, including the main property and outbuildings, against damage from fire, flooding, subsidence, or vandalism.

4. Contents Insurance

Covers furniture, appliances, décor, and guest-use items against damage, theft, or loss—whether in private areas or guest rooms.

5. Business Interruption Insurance

Covers loss of income if you’re unable to trade due to an insured event like fire, flood, or structural damage.

6. Guest Effects Cover

Provides protection in case guest belongings are lost, stolen, or damaged while on your premises.

7. Product Liability Insurance

Protects your business if a guest suffers illness or injury due to food, drink, or toiletries provided as part of their stay.

FAQs

Yes, standard home insurance does not cover guest stays. You need a specialist Bed & Breakfast insurance policy to cover guest injuries, property damage, and liability. Running a B&B from home increases your public and legal liability, and your policy must reflect that.

We offer tailored B&B insurance policies, which can include:

Optional extras like food liability cover and legal protection are also available.

We offer flexible policies that can accommodate seasonal operations and adjust cover levels accordingly.

Yes. Even if guests book through third-party platforms, you’re still liable for what happens on your property and must be properly insured.

Yes, we offer Public Liability Insurance as a key component of B&B insurance, protecting you if a guest is injured or their belongings are damaged while on your premises. It covers legal defence and any awarded compensation, offering peace of mind and business security.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Get the latest insurance insights, compliance guides, and helpful tips for running a secure and profitable B&B.