Bed & Breakfast Insurance


If you run a guest house or B&B, you’ll certainly be aware of the necessity of specialised insurance policies; protecting your home and business from the risks associated with running a small hotel is absolutely essential.

Standard home or property insurance simply isn’t adequate when you’re opening up your home to paying guests, hence the requirement for bed & breakfast or guest house insurance. Businesses of this nature need to take into consideration factors such as liability and damage to property caused by guests.

Guest House And B&B Insurance Policies Tailored To Your Requirements

At Insure 24-7 we take pride in offering our commercial clients policies that are tailored to meet the precise requirements of their business; this is especially true of our insurance policies for bed and breakfasts.

We will take the time to understand your business and how you operate your guest house in order to formulate a competitively priced policy that is uniquely suited to your business. The type of property will be taken into consideration, along with numerous other factors such as;

  • The presence of Kitchen Facilities; is food served on the premises?
  • Are existing security measures in place?
  • How are the guest rooms furnished and decorated?
  • Are car parking facilities available to guests?

What Will I Find In The Wording Of My B&B Insurance Policy?

The exact wording of your policy will vary depending upon the type of cover that you opt for, but typically we would ensure the insurance for guests houses and B&Bs would have clauses that cover;

  • Public Liability Insurance in case members of the public or guests suffer injury on your premises
  • Employers Liability, so if your staff are injured at work your business will be covered
  • Loss of Income Cover, so if you’re unable to book guests due to property damage, flooding or fire, you won’t have to worry about lost earnings
  • Cover for damage to your guests’ property, accidental or otherwise

Get A Quote for Bed & Breakfast Insurance

If you run or own a bed and breakfast or guest house and require an insurance policy to protect your livelihood from risk, then do not hesitate to contact Insure 24-7. Our dedicated commercial insurance team will be happy to provide you with a free no-obligation quote for your bed and breakfast business.