Guesthouse / B&B Cover
A guesthouse or bed and breakfast is a unique business so requires specialist insurance.
To adequately insure your guesthouse or bed and breakfast, your insurance will need to cover the things that standard home insurance will cover, for example, damage from fire, flood, a burst pipe or a storm damaged roof. But that’s not all. Additionally, bed and breakfast and guesthouse insurance should cover business contents and stock, theft and business interruption.
As well as the benefits already listed, guesthouse and bed and breakfast insurance will also provide public liability cover which will ensure you’re protected should a guest injure themselves while staying in your property. There is also the option of employers’ liability insurance, which is a legal requirement if you employ staff, for example a gardener, cleaner, cook or waiting staff.