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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.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

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

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

Premiums from as little as £392.00

In the past 12 months our customers have paid as little as £392.00*** per annum for B&B insurance.

Over 60%**** of our B&B customers paid less than £800 per annum in the past 12 months.

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.

Our Product

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.

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.

** 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.


We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.


You will need to contact us quoting your policy number and we can then amend your details. Please note that the change of premises may affect the cost of your insurance.


Details on how to make a claim can be found in your policy documentation, however please feel free to contact us on 0330 134 4606 or email if you have any queries or would like some assistance.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Acorn Lodge in Harrogate, Yorkshire is one of our high street heroes. View their website:

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Related Articles

How do you become one of the top-rated guesthouses in Harrogate?

We spoke to Ali and Phil Standen, owners of Acorn Lodge to find out.

Posted 26/11/2018

All You Need to Know About Setting up a B&B

Tourism is big business in the UK – according to the B&B Association, hospitality is the UK’s fourth largest industry, contributing £115 billion to the UK economy

Posted 30/09/2016

Industry Guide to Insurance for B&Bs

Running a B&B is a dream lifestyle job for many people, but there are plenty of risks involved which makes having good B&B insurance vital.

Posted 30/09/2016
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