£1,050
Running a bed and breakfast can be hard work. Once you add in guests and suppliers coming and going into 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.
Smei has been working with small and medium sized businesses across the UK since 2002, and we appreciate that each business has its own risks and challenges. Our quality customer service team takes the time to learn about your business. We put together 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 get a bed and breakfast insurance quote for your business, contact smei today for a chat with our friendly, knowledgeable team.
Get tailored B&B insurance cover today.
If you run a bed and breakfast or guest house then it’s important that you take out business insurance. Business insurance for bed and breakfasts and guest houses can be vital if an accident happens or a mistake is made. It provides financial support and can provide cover for legal costs too.
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 that you have the right insurance cover in place to protect your business.
If you run a B&B business, you’re responsible for the welfare of customers and any staff you employ. This means your insurance needs to include public liability and employers liability insurance. Public liability insurance can protect you should a guest suffer an injury or fall ill. It can also cover you for claims for compensation as well as the legal costs associated with a claim. Employers liability insurance is a legal responsibility if you employ staff or have volunteers working for you.
If you offer food at your B&B, you should have product liability cover to safeguard against potential food poisoning claims for example.
Your building is your main asset, so you require buildings cover in case of theft, accidental damage, fire or storm damage. You’ll also need cover for all your fixtures, fittings, and contents. Not to mention your guests’ belongings too.
£1,050
In the past 12 months our customers have paid as little as £1050 per annum for hotel/B&B insurance. That’s just £20 per week!
50% of our hotel/B&B customers paid less than £4,865 per annum.***
In order to be fully protected, make sure you speak to an expert in business bed and breakfast insurance to arrange the right level of cover for your bed and breakfast business.
In additional to specialist B&B insurance, smei also provide tailored hotel insurance and guesthouse insurance cover.
Contact our team to receive a no obligation, instant quote today.
Accidental damage.
Book debts/account receivable.
Business interruption.
Contents insurance.
Employers' liability.
Glass.
Money in safe.
Money on premises.
Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer
***Data compared from 173 policies sold in 2023.
59 customers paid £1,050 or less, which represents 34%.
£20 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
The cost of your bed and breakfast insurance will depend on a number of factors, such as how many bedrooms you have and the location of your business. Our advisers will ask all the relevant questions and provide a tailored quotation from a panel of A-rated insurers.
No, you don’t need to be part of an association to get an insurance quote from us. We’ll get you quotes from a number of insurers and we always aim to secure the price that is right for you. Typically, our customers save 30% with us.*
Yes, we can provide quotations to cover your business premises, just mention this to your adviser and they’ll make sure it’s included.
You Could Save Over 30%*