£781
Insurance for B&Bs
- Customers typically save 35%* with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
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.
As a specialist insurance broker, we have a choice of products from a range of leading UK insurers, and we do all the hard work to put together a single solution specifically designed for your business. Each policy is tailored to your individual needs, so you won’t end up paying for cover you don’t need.
Speak to our team of experts in bed and breakfast insurance for a free, no obligation quote.
You Could Save Over 35% With Us*
List of Covers and Features
Standard covers**
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Public and product liability.
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Contents insurance.
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Buildings cover.
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Business interruption.
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Employer liability.
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Accidental damage.
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Book debts/account receivable.
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Glass.
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Money in safe.
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Money on premises.
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Flexible payment options including direct debit.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional covers
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Embedded breakdown.
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Cyber and data.
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Goods in transit.
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Legal expenses.
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Loss of licence.
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Loss of rent receivable.
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Subsidence.
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Tenants improvements.
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Terrorism.
Premiums from as little as:
In the past 12 months our customers have paid as little as £781 annually for hotel / B&B insurance. That’s just £15 per week!
50% of our hotel / B&B insurance customers paid less than £1,422 annually.***
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
*** Data compared from 176 policies sold from November 2024 to October 2025. 18 customers paid £781 or less, which represents 10%. £15 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
You Could Save Over 35% With Us*
Frequently asked questions
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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.
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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 35% with us.*
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Yes, we can provide quotations to cover your business premises, just mention this to your adviser and they’ll make sure it’s included.
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There are a number of business insurance covers that small business owners should consider. The most common are employers liability insurance, damage to contents and business interruption, public and product liability insurance. Your broker will help you select the right covers for your business.
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You Could Save Over 35% With Us*