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Tailored B&B Insurance for your Business

Tailored B&B Insurance for your Business

The high footfall in the average B&B makes them relatively risky businesses to run. Guests come in and out all the time, cooking and cleaning is a constant process, so as a B&B owner, you have to be aware of risk. Quality and comprehensive B&B insurance is designed specifically to cover your business against risk. What level of cover do you need and what elements should you policy incorporate? We’ll look at that in more depth below.

Insuring your Great British Bed and Breakfast

The Bed and Breakfast is a British tradition and has provided a steady income for many for years. It is possible to get B&B insurance for both licensed and unlicensed premises although the requirements are a little different. Importantly though, do you know what types of cover should be incorporated in your B&B insurance? B&B owners should definitely consider:

Public Liability Insurance

This protects you and your business against compensation claims made by members of the public. Claims are usually for injury or damage to property which the claimant blames on your business. It would cover your business if a guest were to trip over for example.

Business Buildings and Contents Insurance

Even if your B&B is also your home, you should update your buildings and contents insurance to reflect its business status. It will protect your business should there be a burglary, fire or flood.

Employers’ Liability Insurance

All businesses which employ staff must have employers’ liability insurance. It is likely your B&B employs at least some staff members, so this type of insurance is compulsory. It protects you and your business against compensation claims made by employees and former employees. Not having employers’ liability insurance in place can result in large fines.

B&B owners may also want to consider more specialist insurance cover such as business interruption cover and you can discuss your individual needs when you contact Just Quote Me. Our professional insurance specialists can talk through your options with you.

Just Quote Me can provide you with a range of B&B insurance quotes, allowing you to decide which is best for your needs. Contact us today to find out more.

Finding the right B&B Insurance for your Small Business

Finding the right B&B Insurance for your Small Business

Whether you have turned your home into a business or have invested in a B&B elsewhere, it is imperative you have the right B&B insurance to protect your guests and your business. Many people are choosing to open their homes to paying guests or invest in holiday business properties to earn a little extra income. Whether you are a first-time B&B owner or a veritable veteran, you need B&B insurance for the benefit of your business.

Specialised B&B Insurance

Wherever your business is based in the United Kingdom, you will need adequate B&B insurance. IN most instances, B&B insurance is a fairly specialised arrangement with your chosen insurer, with many specific clauses relating to your business and customised specifically to your business needs. Whether you let out a single room in your home or have a large B&B, there is an insurance package out there for your business and it can be found at a price to suit your budge. At Just Quote Me we have worked with many B&B owners to help secure the perfect level of cover for their business.

B&B Insurance Cover

The cover you arrange for your Bed and Breakfast may cover many different areas. It is illegal to operate without employer’s liability insurance if you employ a single person and you may also find it best to invest in public liability insurance to protect your business from the legal costs of compensation and to fight against claims made. B&B insurance may also incorporate more specialist elements such as:

  • Loss of bookings cover
  • Legal protection
  • Cover for guests’ belongings
  • Personal liability insurance

When you discuss your insurance needs with Just Quote Me one of our experienced professionals will help find the best provider and customised package for your business needs. We recognise every business has its own unique elements and work with you to find the insurance which works best and ensures the best value and level of cover.