Bed & Breakfast Insurance

Insurance cover for Bed & Breakfasts

Understanding Bed & Breakfast Insurance

You take pride in the upkeep of your Bed & breakfast, so ensuring your business and livelihood is covered against a number of potential dangers is important. Bed & Breakfast Insurance from The Insurance Octopus is designed to give you peace of mind should an insured peril occur. You won’t want to worry about the possible loss, damage or theft from your guest house, or expensive claims as a result of an employee or customer being injured within your premises. Risk can be associated within many areas of your bed and breakfast establishment, so by having a comprehensive business insurance policy you can financially protect your business.

At The Insurance Octopus our personalised business insurance policies are designed to allow you to add, remove, increase or decrease all areas of the policy. With the help of our insurance specialists, you can tailor your bed & breakfast or guest house insurance policy to the way you want it; ensuring you have all of the essential cover you need in one business insurance policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Bed & Breakfast Insurance Policy includes

What B& B Insurance includes

Public Liability cover

Public Liability cover protects you if one of your customers is injured, or their property is damaged. Public liability insurance protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to terms and conditions.

Public & Products Liability insurance

Public & Products Liability insurance covers you as the business owner against claims from third parties of up to £5m.

Employers Liability insurance

If you have one or more employees then by law, you are required to have employers liability insurance. This is a standard £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.

Buildings & Contents insurance

Buildings & Contents insurance will protect your building against an unforeseen events. To get the best B & B insurance quote, make sure you have the right buildings sum you need insured; this is not always the price you can sell the building for.

Money, Glass, & Accidental damage

An optional extra, this can be covered at the levels you need with further add-ons, including deterioration of stock, business interruption, Commercial Legal Expenses and loss of licence cover.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Benefits of having Bed & Breakfast Insurance

guest house bed and pillow

When owning premises, the possibility of risks occuring may increase for various reasons, for instance:

  • Assaults on your staff
  • Theft within your business premises
  • If you serve food, a customer may decide they have suffered ill health from eating it
  • Staff could be injured whilst going about their everyday duties

Everyday risks can also be associated with natural causes which could result in your business temporarily incapable of operating. In these types of situations, your staff could potentially hold you legally accountable which a court of law may also agree. In other situations, you could have suffered serious stock losses as well as a loss of income.

At The Insurance Octopus, we cannot stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your bed & breakfast establishment.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.

Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm