Bed and Breakfast Insurance

 This section outlines B&B Insurance – what it is, who needs it and where to get it.

What does B&B Insurance do?
Why is B&B Insurance needed and what does it cover?
How much B&B Insurance cover will I need?
Why compare B&B Insurance with Coverzones?

What does B&B Insurance do?
B&B Insurance collects all the different kinds of insurance cover you might need as a B&B owner into a single policy.

Generally, B&B Insurance will provide cover against any injury or death to your customers, employees, or members of the public whilst on your premises or because of your negligence. It will also cover damage to their property. B&B Insurance will typically also include specialist building and contents insurance, including cover for damage done by your guests, and may include cover for business interruption, stock and business equipment damage, loss of license, and legal expenses.

Different policies offer different kinds and levels of cover. It’s essential to compare B&B Insurance and decide which is best suited to your needs.

Why is B&B Insurance needed and what does it cover?
For insurance purposes a B&B is an establishment that provides Bed and Breakfast accommodation to paying guests. Whether you offer only one room to guests or have a large established B&B, having the right insurance in place is essential to protect you, your business, your guests and your employees against unforeseen circumstances.

Additionally, some insurance is a legal requirement – if you have employees, even on a casual or part-time basis, you must by law have Employers’ Liability Insurance. At the same time, your standard home insurance does not give you adequate cover for a B&B – and if insurers aren’t told that your home is used as a B&B they are likely to decline any claims made by paying guests.
When you come to choose B&B Insurance, you’ll find every policy is different. It’s important to check every individual policy – getting cheap B&B Insurance isn’t enough; you need to be certain it offers the right cover for your individual needs. Do you need additional options such as cover for buildings, business and personal contents; accidental and malicious damage; business interruption; failure of public utilities; loss of stock, keys or licence; and legal expenses? Compare B&B Insurance carefully and get the right policy for your business.

How much B&B cover will my business need?
Public Liability cover for B&Bs usually ranges from £2m to £5m, and if you have employees you are required by law to have a minimum of £5m Employers’ Liability cover. But the total amount of cover provided by your B&B Insurance depends on your individual business and the types of cover included. Before you choose B&B Insurance, make sure the amount of cover provided is adequate for your needs. The policy summary will give you an overview of the cover provided.

Why compare B&B Insurance with Coverzones?

Coverzones will soon offer this type of insurance.

Coverzones is specifically designed to make it quick and easy for you to compare B&B Insurance online. You only have to enter your details once, then we search a panel of insurers and offer you a choice of quotes to consider.

When you buy B&B Insurance through our secure payment system, Coverzones also provides you with a free account, so you can conveniently store all your policy details online and easily amend, renew or cancel your insurance at any time of the day or night.

Using Coverzones is fast and easy, and could save you a significant amount of money. You can get quotes and buy B&B Insurance online right now.