bed and breakfast insurance

Bed and Breakfast Insurance (B&B)

Smei has a Team of Insurance Experts Who Specialise in Insurance Cover for Bed and Breakfasts

Running a bed and breakfast can be hard work. Once you add in guests and suppliers coming and going in to 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.

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 you have B&B insurance that includes public liability and employers' liability insurance in case somebody falls ill or is injured as a result of being on your premises.

Your building is your main asset, so you require buildings cover in case of theft, accidental damage, fire or storm damage, and you also require cover for all your fixtures, fittings, and contents. Not to mention your guests’ belongings too. Additionally, you should have product liability cover as a safeguard against potential food poisoning, business interruption in case you are unable to trade for a period of time, and financial cover for any money held on your premises.

smei has been working with small and medium sized businesses across the UK since 2002, and we appreciate that each individual business has its own risks and challenges. Our quality customer service team takes the time to learn about your business and constructs 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 obtain a bed and breakfast insurance quote for your business, contact smei today for a chat with our friendly, knowledgeable team.

You Could Save Over 30%*

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

91% of our customers would recommend our service

Standard Covers**

  • Accidental damage.

  • Book debts/account receivable.

  • Business interruption.

  • Contents insurance.

  • Employers' liability.

  • Glass.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

Optional Covers**

  • Embedded breakdown.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£687 .21
In the past 12 months our customers have paid as little as £687.21 per annum for B&B and guesthouse insurance.

50% of our B&B and guesthouse customers paid less than £1,306.12 per annum.***

Why B&B Insurance is Important

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

There are a variety of different types of B&B insurance policies that are appropriate for guesthouse and bed and breakfast owners. Public liability insurance protects you against your liability should a guest injure themselves or fall ill. It will cover you for claims for compensation as well as the legal fees associated to a claim.

Each type of policy is designed to protect risks that can crop up within your everyday business activities including cover for the building, furniture, any stock you hold, employees and of course the members of the public who stay with you.

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

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

* 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.

91% of our customers would recommend our service

Excellent service, friendly staff. The service is excellent I been with smei for eight years and had no problems - very friendly staff and very helpful. I would recommend to everyone.

Chiman Patel

Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 30%*