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