Hotels & Bed and Breakfast Insurance

We have access to a panel of UK insurers and are able to build a policy that is tailor made to suit the requirements of your hotel or B&B.

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Hotels Insurance

SME Insurance Services has a team of insurance experts who specialise in insurance cover for the hospitality trade.

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B&B

Bed and Breakfast Insurance

As we specialise in catering for the B&B and guesthouse industry, we feel confident we understand your needs.

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Why Insurance is Important for the Hospitality Industry

There are a variety of different risks associated with working within the hospitality and leisure industry and taking out business insurance is one of the important ways to protect your business from these issues, especially when your business is so focused on positive customer interactions.

Public liability insurance can cover your business for legal liability, costs and medical expenses that could arise from an injury to a member of the public who is staying at your hotel or for damage to their property.

You should also take out product liability, which relates to the food and drink that you make and serve. If there are any injuries or illnesses caused by these products your business is covered.

These are just some of the things that you should keep in mind when arranging business insurance for your hotel, bed and breakfast or guest house. No matter the size of your business, risks will exist and you should ensure that you have an adequate insurance policy to cover you and your business.

Make sure that you speak to an expert in the insurance industry to gain advice on the right level of cover for you.

About the Hospitality Industry

The hospitality and leisure trade is one of the most customer focused industries in the UK. From hotels that cater for large numbers of people to small bed and breakfasts and guest houses that only have four rooms, owners want to ensure that each and every person who stays with them has a fantastic experience.

Running a hotel or bed and breakfast is never easy and you may spend a lot of your time resolving issues and making sure that everything is running smoothly. However, you also need to make sure that you have the right protection in place just in case anything does happen that may leave you battling a compensation claim.

Hotels, B&B’s and guesthouses are often the places for our much looked forward to holidays and family time together. They are a place where we can go to relax, unwind and escape from everyday life. Often, they will not only have rooms that you can stay in, they may have restaurants and even function rooms, making them a multi-purpose business with many different amenities.

Employing staff is also common within the hospitality industry, whether you own and run a small bed and breakfast within one family unit or perhaps have a whole team of dedicated cleaners, porters, reception and bar staff on hand to ensure that every single customer is treated with efficiency and professionalism.

* We randomly surveyed 48 policyholders (5%) who obtained cover through us between April 2016 and July 2016. 81% made a financial saving by moving to SMEi, with an average saving of 15.2%. This data excludes commercial and residential insurance for landlords.

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