Bed and breakfast insurance FAQs

There are options available to provide cover for loss or damage to your guests and employees’ personal possessions. This can cover valuable items held on the premises such as computers, jewellery, money and sports equipment. Our team is happy to talk through the options with you. 

Buildings insurance can provide protection for your bed and breakfast against unforeseen events like fires, floods and storms. Building insurance usually covers permanent fixtures such as the roof, walls, ceilings, door, windows, floors, kitchens and bathroom suites. The policy level should cover your bed & breakfast for the cost of rebuilding, rather than its market value. 

Takings on the premises are covered by money insurance, which includes cash, cheques, postage stamps and other non-negotiable money. Personal assault cover can often be included. Personal assault cover can provide compensation to you or a member of your staff following injury from a theft or attempted theft of money. Any damage to the building during a theft might be covered by your contents insurance. 

If your business injures someone or causes damage or destruction to their property, public liability insurance can cover your costs if someone makes a claim against you. You could consider public liability insurance if this is a risk you'd like to protect your business against.

Buildings insurance covers the cost of repairing or rebuilding your premises if it’s damaged or destroyed by an unexpected event such as fire, flood or theft damage. If you’d like to ensure that you can get your business premises up and running after an unexpected insurable event, buildings insurance may be something to consider. 

If you  rent your business premises, then buildings insurance might be your landlord’s responsibility. Contact your commercial landlord or check your lease to see who’s responsible. 

For more information about available additional policy covers, get in touch with us.