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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.

Hotel Industry hoping for Record Year

Hotel Industry hoping for Record Year

Hoteliers are hoping that 2017 will become a record year for the UK hotel industry. Hospitality experts predict that the UK will see an increase in both international and domestic visitors holidaying in the UK. In fact, 63% of international tourists say they are now more inclined to holiday here, compared to last year. That’s according to a recent survey by Barclays. Meanwhile, 31% said the weaker pound was their reason behind choosing a UK holiday. But perhaps the more surprising reason for coming to the UK came from a fifth of respondents. They revealed that watching TV programmes about the British Royal Family influenced their choice of holiday destination.

Staycations boosting UK hotel industry

And it’s not just foreign visitors choosing the UK for their next holiday. The UK staycation has never been so popular. Almost a third of British holidaymakers expect to stay in the country for their holiday, with many believing they get more holiday for their money that way. Around 7.3 million Brits chose to holiday in England in early 2016, a 10% rise on the year before, says Visit England.

Looking ahead

Despite a slump at the end of 2016, the outlook for 2017 looks far more optimistic. The number of overseas tourists is expected to rise over 4% in the next year, according to VisitBritain. Meanwhile, inbound tourist spending will likely see an 8% boost. And while good news, hotels must quickly adapt to the rapidly changing marketplace. Over the next year, hotels will need to utilise tactical deals and offers to attract price-savvy travellers. Promoting key features like amenities, quality service and room service will also become more important than ever before. And as we start to gradually realise the true impact of Brexit, hoteliers will need to maximize their revenue from every booking they make.

Hotel insurance

If hotels in the UK are going to be enjoying a boost in trade this year, then it’s even more important to make sure you have the right insurance cover. Your insurance package should be tailored to suit your business needs, while also including:

  • Buildings and contents.
  • Public liability.
  • Employer’s liability.
  • Business Interruption.
  • Legal Expenses.

So whatever might be ahead for UK hospitality, at least you will have peace of mind that you are prepared for the unexpected. After all, to secure the future of your business, you need to start protecting it today.

Just Quote Me for your Small Hotel Insurance Quote

Just Quote Me for your Small Hotel Insurance Quote

A successful hotel should be a busy and bustling place. With staff to handle, guests to satisfy and suppliers to deal with, there are many potential risk points which makes hotel insurance essential. Around the UK there are hundreds of small hotel businesses, all needing their own unique level of cover tailored to their site. Getting a reliable small hotel insurance quote is easy with Just Quote Me as we take into account every aspect of your business, your budget and your requirements.

Will work with you to build a tailored small hotel insurance quote to cover everything you need. Small hotels and guesthouses are usually described as those with less than 20 rooms and your small hotel insurance may need to cover at least:

  • Public liability
  • Buildings and contents insurance
  • Stock cover
  • Employers’ liability insurance
  • Other covers such as turnover protection and loss of key cover

What Cover will be including in my Small Hotel Insurance Quote?

The real answer to this question is that it is entirely up to you. When you are buying small hotel insurance you need to decide what types of cover you will need. Your small hotel insurance quote will typically cover, at least:

Public Liability Insurance

This will protect you against any compensation claims made by members of the public because of injury or damage which they blame on your business. Your guests and other third parties visiting your business are the reason for public liability insurance.

Employers’ Liability Insurance

As a small hotel owner it’s almost guaranteed you have at least one employee. If this is the case you are legally required to have employers’ liability insurance in place. There are steep fines for businesses operating without employers’ liability insurance in place.

Business Buildings and Contents Insurance

In a business which is so reliant upon its premises, specialist business buildings and contents insurance is a must. This kind of insurance provides you with protection in the event of a fire, flood or theft and the damage thereafter.

Contact us today to get a reliable and good value small hotel insurance quote for your business.