Bed and Breakfast Insurance

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 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 business evolves. 

To find out more about our specialised cover for B&Bs, or to obtain a quote for your business, contact smei today for a chat with our friendly, knowledgeable team.

Why Insurance is Important for Bed and Breakfasts

If you run a bed and breakfast or guest house then it is important that you take out business insurance. Business insurance 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 policies that are appropriate for guesthouse and B&B 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 insurance to arrange the right level of cover for your bed and breakfast or guesthouse.

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About the B&B and Guesthouse Industry

Bed and breakfasts and guesthouses are popular within the tourism industry and are often seen as smaller hotels offering a more intimate level of service to those who decide to stay there.

Whilst this is true, it doesn’t mean that those who run a bed and breakfast or a guesthouse are less busy than those who run large hotels.

Often the owners of these types of accommodation will run the business themselves and all of the pivotal roles can be performed by just one or two people.

This can mean that they may have little time to think about any other aspects of running a business, which is why it is so important for these businesses to have the right business insurance to protect them.

<sub>Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.</sub>

_{** Standard and optional cover may differ dependent upon insurer.}

_{*** Data compared from 559 policies sold between November 2017 and November 2018.}

_{**** Based on 559 policies sold between November 2017 and November 2018, 353 customers paid less than £800.}