Bed & Breakfast Insurance

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The commercial insurance specialists at UKinsurancenet have many years experience of providing low cost bespoke insurance schemes for Guest houses, Bed and breakfast establishments and hotels.

Cover provided includes but is not restricted to:-

• Public & employers liability
• Business & personal contents
• Accidental or malicious damage by tenants
• Loss of license if required
• Business interruption cover should you be able to trade due to an insured risk

If you already own a bed and breakfast or are considering setting one up, it is essential for you to have a specialist B & B insurance policy. Standard home insurance will not provide adequate cover for a B & B and if you have not told your insurance company you are using your home as a bed and breakfast or guest house the likelihood is that they would decline any claim and probably cancel your policy for non disclosure

We have come across a number of clients who have found themselves in this position and significantly out of pocket when they tried to claim. If you bought a hotel you would obviously obtain specialist hotel insurance and if you were running a pub you would ensure you had a pub insurance policy. Just because you are running a business from your home does not mean that you do not need a commercial property insurance policy.

The benefits of having a typical bed and breakfast policy are that you will receive cover against damage caused by guests, public liability including your guests, cover for guests personal belongings, and cover for theft and weather damage leading to loss of income.

As well as the basic cover these policies can be extended to include employer’s liability, stock such as food and drink and business equipment, legal expenses insurance. As a bare minimum we would recommend that you obtain buildings and contents insurance with the employer’s liability extension if you employ any staff.

When deciding which policy to buy it is very important to read the policy summary before deciding which quote to accept. The policy summary is designed too give you an overview of the policy in plain English. You must pay particular attention to the significant exclusions as this details what will not be covered for.

We at UKinsurancenet have been specialist in commercial property insurance for many years and have provided a wide range of insurance policies for our clients. We have provided cafe insurance and public house insurance for hundreds of clients. We also can provide insurance for takeaways and also fish and chip shop insurance.