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Bed and breakfast insurance is designed to provide cover for guest houses, small hotels and bed and breakfast establishments. Most insurers will offer bed and breakfast coverage for businesses with up to 12 guest rooms. Policies can vary depending on the requirements of the insuring party and the offer of the insurer, but will typically cover product liability, public liability, business contents and stock as standard.
Public and product liability is designed to cover injuries sustained by guests or members of the public, as well as covering damage to their property (for example, if a mobile phone was to be become damaged on account of a leaking pipe).
Business contents insurance is designed to protect the property in and around your bed and breakfast, including goods used or goods supplied. Most insurers will also allow you to include buildings insurance as an add-on. This is designed to cover events such as fire or flooding, and cover limits might apply.
Any person who operates a guest house, small hotel or B&B should think strongly about taking out bed and breakfast insurance. The advent of room rental services such as Airbnb means that increasing numbers of people are using their spare rooms to offer a bed and breakfast style service, and these people could also benefit from personalised B&B insurance.
Running a bed and breakfast can be incredibly rewarding – but there are also a lot of risks to factor in. Everything from broken-down boilers, flooding, theft, or damage to the possessions of your guests can all cause issues. These problems might not be covered by standard home insurance, so anybody operating a B&B should consider arranging a policy specific to their requirements. For some, this can mean a one-size-fits-all type of cover, whilst other business owners prefer to get a more specifically tailored policy that suits them.
The type of policy you choose will dictate the level of cover afforded to you. Most bed and breakfast operators will at least want public indemnity insurance to protect against any claims for compensation made by customers who have became ill or injured during the course of their stay (this can be applicable to illness due to food poisoning as well as injuries such as tripping over a cable or slipping on a wet floor when adequate warning signage was not in sight).
If your B&B business employs staff, such as cleaners, chefs or bartenders, you need employer’s liability insurance policy in place. This type of policy is designed to cover compensation claims made by employees who have suffered illness or injury as a result of performing their duties at work. You may also wish to insure the contents of your business, too. Business equipment insurance will enable you to access new-for-old items if any IT equipment, kitchen equipment or cleaning equipment is damaged or stolen.
The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by an employee. It’s a legal requirement for you to take out employers liability insurance cover to insure against liability for injury or disease to your employees arising out of them working for you.
Before insurers quote you a premium for your policy, they will first consider a number of factors in order to determine what kind of risk you are.
Such factors will include the scope, value, location and duration of the work you will be undertaking.
