Bed & Breakfast Insurance

Bed and Breakfast Insurance with Prosura

As a B&B owner, you wear many hats and work tirelessly to meet the needs of your guests. Your business exposes you to numerous risks.

It’s our job to secure the very best guest house insurance for your needs, so you can get on with running your business.

We also give all our Business Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

Please contact the specialist brokers at Prosura, we’d be delighted to get your B&B insurance in place today.

Is it really necessary to take out B&B Insurance?

No matter whether you’re part of the gig economy, advertising your property on Airbnb or a more traditional B&B using a website to market your accommodation, it’s likely that those service providers will want evidence of appropriate guest house insurance. Even if you don’t use those marketing channels, you’re inviting paying members of the public to stay in your property and that presents a number of risks.

Bed & Breakfast insurance will make sure your property, staff, guests, and income are fully protected from the risks you’re exposed to.

What is Bed and Breakfast Insurance?

B&B insurance is a type of business insurance, also referred to as guest house insurance or lodging insurance.

It’s typically formed of a number of standard covers with the option to include additional cover depending on the particular needs of your business.

Typically, the standard covers within a bed and breakfast insurance policy are:

  • B&B public liability insurance

Public liability insurance for a bed and breakfast business will form an essential part of your cover.

Should a guest, member of the public, or any other third-party injure themself while on your property, you could be liable for a claim. For example, a fault with an electrical socket in one of the bedrooms causes a guest to suffer an electric shock.

B&B public liability insurance covers legal expenses and compensations for claims from business-related losses or damages.

  • Building insurance and business contents insurance

B&B house insurance will protect your property from the financial implications of an event such as a fire, flood, or burglary.

While your building insurance covers the structure of the building and permanent fixtures and fittings, such as a fitted kitchen or bathroom, business contents insurance will cover your furnishings, the equipment your business relies on, and your stock.

  • Guest contents insurance

Your bed & breakfast insurance can also include cover for employee and guests’ personal effects. For example their phone, laptop, jewellery and even their vehicle.

  • Business interruption

B&B business insurance can also include business interruption cover. This will help to protect your income if you are forced to close your doors temporarily. For example, if your property is damaged by fire or flood.

What other cover is needed within Guest House Insurance?

The particulars of your bed & breakfast insurance policy will depend on the individual requirements of your business.

Perhaps you have sports and leisure equipment for guest use, or a swimming pool to insure. Maybe your guest house bookings are subject to seasonal fluctuations.

Our experienced brokers have access to a wide range of top quality bed and breakfast insurance companies, allowing us to create the most suitable policy for your needs.

Some of the extra cover we can include within your guest house insurance are:

  • Products liability
  • Stock cover
  • Employers’ liability insurance (a legal requirement if you employ staff)
  • Home emergency cover
  • Legal expenses
  • Personal accident insurance

What does Bed and Breakfast Insurance cost?

The average cost of insurance for a bed and breakfast will vary depending on a number of factors.

The benefit of using a broker, such as Prosura, is that your bed and breakfast insurance policy is tailored to your business, so you won’t pay for cover that you don’t need.

We’ll also make sure your bed & breakfast insurance quotes provide adequate levels of cover for your needs, at the right price.

Why choose Prosura to find Bed and Breakfast Insurance Quotes?

Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll meet your exact requirements.

Our high-quality, cost-effective guest house insurance policies are built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way. Additionally, we give all our B&B Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

For the best bed and breakfast insurance coverage, contact the specialist brokers at Prosura today.

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