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Bed & Breakfast insurance

B&Bs are the bedrock of the UK’s tourism industry. These family-run operations are where we take our holidays, welcomed into the host’s home and treated like one of the family. Because they feel so much more ‘personal’ than large hotels, B&Bs are hugely popular as business enterprises too – after all, if you live in a beautiful part of the country and have a couple of spare bedrooms, why not generate an additional income by welcoming guests?

It’s a tough industry, though, and competition is fierce. You also have plenty of paperwork to do and regulations to comply with, including having the right kind of insurance. Our specialist B&B insurance may be better suited to your requirements than a standard household insurance policy.

A better understanding of the industry

At Intasure, our policy is designed to offer household and business protection for B&B owners, who may find it difficult to secure a B&B home insurance policy for their business.

Why is it so difficult to find adequate B&B insurance?

Because you’re using your home as a business, your normal home and contents house insurance may not cover all of the potential risks involved, such as accidental damage by guests, or business interruption cover.

Public and Products Liability cover is standard within our B&B insurance, as this helps protect you against the costs of compensation claims if a guest is injured or their property is damaged while they are staying at your house. This cover is not always part of home buildings and contents insurance, so you may need specialist cover to make sure you have a suitable level of protection.

If you search online for ‘B&B insurance near me’ then you’ll likely be directed to comparison sites to look at bed and breakfast insurance rates. However, you should consider that the cheapest product does not always provide adequate cover and you may wish to talk direct to bed and breakfast insurance specialists who really understand both the insurance industry, and the challenges B&B owners face. That’s where we can help.

What our B&B insurance policies include

If you insure with Intasure, your bed and breakfast insurance coverage will include*:

  • Cover for up to 8 letting rooms (16 paying guests)

  • Automatic buildings cover of up to £1m

  • Flexible contents cover for your household contents, business equipment and stock.

  • Public & Products Liability cover up to £5m

  • Loss or damage caused by electrical power surges

  • Business Interruption cover

  • Monthly direct debit payment option

  • Automatic Accidental Damage cover for Insured and Family

  • Accidental cover for damage cause by guest(s)

  • Money Cover

  • Freezer Cover

  • Personal Effects and Valuables cover for your possessions taken away from your Bed & Breakfast

I’m new to the business. Will you insure me?

We are able to consider cover to new Bed & Breakfast owners both with and without hospitality experience.

Are there any restrictions?

As with any bed and breakfast insurance coverage, there will be certain restrictions included in your policy. Our B&B insurance policies are applicable to businesses in the UK, Northern Ireland, the Isle of Man and the Channel Islands.

Find out more with Intasure

If you’re running a B&B and you want to find out more about our bed and breakfast insurance cover, simply call us on 0345 111 0680 and talk to one of our sales team, who will be happy to take you through the details of our policy. Alternatively, fill out our online quote form, request a call-back and one of our team will be in touch.

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*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

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