Bed & breakfast insurance

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Tailored B&B insurance

With guests coming in and out and cooking and cleaning almost constantly underway, there are lots of risks to consider when you run a bed and breakfast.

A good bed and breakfast insurance policy should include public liability cover, which can cover a compensation claim made by a supplier, a guest, or another member of the public. You’ll probably want to get buildings insurance too, so that you’re covered if something like fire or flood damages your property. You can also add business interruption insurance so that you don’t lose your income if a disaster means that you have to temporarily turn away guests.

We provide insurance for both licensed and unlicensed bed and breakfasts. Just select the option that is relevant to you. Choose your cover options and find a bed and breakfast insurance quote from Simply Business now.

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What insurance does my bed & breakfast need?

When you’re buying insurance for your B&B you need to think about the individual risks that you face and the cover levels you need. These are some of the main insurance types that bed and breakfast owners should consider:

  • Public liability insurance, which protects you against compensation claims made by a member of the public for injury or damage to their property that they blame on your business. For example if a guest is injured when they trip over a wet floor in your dining room.
  • Employers’ liability insurance, which is a legal requirement for most B&Bs that employ staff. It covers claims made against you by an employee for injury or illness that’s due to their work. You may face steep fines if you don’t have a suitable policy in place.
  • Business buildings and contents insurance, which can help your bed and breakfast if it suffers damage as a result of something like fire, flood or burglary. You can also add business turnover protection - also known as business interruption insurance - which can protect your income if you have to close temporarily due to damage.

Why Simply Business?

  • We’re the UK’s biggest business insurance provider
  • All settled claims paid within 24 hours
  • 9/10 Feefo ratings say we’re good (or excellent)
  • 400,000 customers (and counting)
  • Claims handled by an award-winning team
  • Quote comparisons available from multiple insurers
  • We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

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