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Bed and Breakfast Insurance (B&B)

Join our family of B&B and guest house owners and managers who get comprehensive insurance coverage for their businesses at a competitive price.

Insurance for B&Bs

Running a bed and breakfast can be hard work. Once you add in guests and suppliers coming and going into your property, plus cooking and cleaning tasks, you may face a number of risks and challenges on a daily basis. So you need comprehensive insurance to protect you, your customers, and your reputation.

Smei has been working with small and medium sized businesses across the UK since 2002, and we appreciate that each business has its own risks and challenges. Our quality customer service team takes the time to learn about your business. We put together a flexible policy that meets your requirements, which can develop and grow as your B&B business evolves.

To find out more about our specialised B&B insurance, or to get a bed and breakfast insurance quote for your business, contact smei today for a chat with our friendly, knowledgeable team.

Key Features and Benefits

  • Premiums from £687.21 per year.*
  • Quotes from a panel of A-rated insurers.
  • Single, flexible policy — tailor made to suit your requirements.
  • Dedicated adviser throughout your policy.
  • No midterm amendment fees should you need to make a change.
  • Access to a 24-hour legal helpline.
  • Flexible payment options including direct debit.
  • Access to documents anytime, anywhere via our secure portal.

Get a bed and breakfast insurance quote now

Get tailored B&B insurance cover today.

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What Bed and Breakfast Insurance do You Need?

If you run a bed and breakfast or guest house then it’s important that you take out business insurance. Business insurance for bed and breakfasts and guest houses can be vital if an accident happens or a mistake is made. It provides financial support and can provide cover for legal costs too.

As the owner of a B&B, like the Acorn Lodge in Harrogate, Yorkshire (pictured above), you’re responsible for the welfare of your customers, suppliers, and any staff you employ. So it’s critical that you have the right insurance cover in place to protect your business.

Public liability and employers liability

If you run a B&B business, you’re responsible for the welfare of customers and any staff you employ. This means your insurance needs to include public liability and employers liability insurance. Public liability insurance can protect you should a guest suffer an injury or fall ill. It can also cover you for claims for compensation as well as the legal costs associated with a claim. Employers liability insurance is a legal responsibility if you employ staff or have volunteers working for you.

Products liability insurance

If you offer food at your B&B, you should have product liability cover to safeguard against potential food poisoning claims for example.

Buildings insurance

Your building is your main asset, so you require buildings cover in case of theft, accidental damage, fire or storm damage. You’ll also need cover for all your fixtures, fittings, and contents. Not to mention your guests’ belongings too.

Premiums from as little as



In the past 12 months our customers have paid as little as £687.21 per annum for hotel/B&B insurance. That’s just £20 per week!

50% of our hotel/B&B customers paid less than £1306.12 per annum.***

In order to be fully protected, make sure you speak to an expert in business bed and breakfast insurance to arrange the right level of cover for your bed and breakfast business.

In additional to specialist B&B insurance, smei also provide tailored hotel insurance and guesthouse insurance cover.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

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We're Here For You...

Want some free advice and expert guidance to help grow and protect your business?

  • Access our free business insurance check (are you sure you’ve got the right cover?).
  • Download 'how to' guides for boosting success.
  • Hear from other business owners like you.
  • Set renewal reminders and calculate staff turnover costs.

Your Success = Our Success.

  • We’ve been helping protect businesses like yours since 2002.
  • Access to A-rated insurance companies in the UK.
  • We search the market for you to save you valuable time.
  • Genuinely affordable pricing with no hidden fees.
  • Deep expertise on hand when you need it.

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* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer

*** Data compared from 125 policies sold in 2022. 25 customers paid as little as £687.21.

B&B Frequently Asked Questions

The cost of your bed and breakfast insurance will depend on a number of factors, such as how many bedrooms you have and the location of your business. Our advisers will ask all the relevant questions and provide a tailored quotation from a panel of A-rated insurers.

No, you don’t need to be part of an association to get an insurance quote from us. We’ll get you quotes from a number of insurers and we always aim to secure the price that is right for you. Typically, our customers save 30% with us.*

Yes, we can provide quotations to cover your business premises, just mention this to your adviser and they’ll make sure it’s included.

You Could Save Over 30%*