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Bed & Breakfast and Guest House Insurance

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Get a £50 Out of Eden voucher. Find out more here.

Out of Eden logo

Get a £50 Out of Eden voucher. Find out more here.

Bed & Breakfast and Guest House Insurance

Personalised Bed & Breakfast and Guest House Insurance from Direct Line for Business provides cover for a wide range of bed & breakfasts and guest houses, with up to 12 guest rooms. The policy includes public and products liability, business contents and stock insurance as standard. Public and products liability covers injury to guests or other members of the public, and damage to their property in and around your bed & breakfast or guest house, including goods you supply.

You can add buildings insurance to cover damage to your property due to an insured event, such as a flood or fire. Optional business interruption insurance is yet another add-on that will cover lost turnover if a claim means you have to partially or fully close your business. Cover limits will apply.

Want to let out your rooms on Airbnb? If you run your business like a standard B&B and live at the property, we can provide personalised insurance for you too.

Get personalised cover for your Bed & Breakfast / Guest House

Running a bed & breakfast or guest house can be very rewarding. You can be your own boss and have the satisfaction of providing a welcoming stay for your guests.

But like any business, there are risks, from broken down boilers, to theft of or damage to your guests’ possessions, or a flood or fire. Normal home insurance won’t typically cover you and your guests for all the risks you may face.

And whether you run a bed and breakfast or guest house, your business is unique. That’s why at Direct Line for Business we provide personalised Bed & Breakfast and Guest House Insurance to suit your business.

Some insurers like to sell you one-size-fits-all cover. Not us. That’s why we let you create a policy that’s personalised to your business. So, you can cover everything you want – from pool tables to swimming pools. And the great thing is that you only pay for what you want and nothing more.

And if you want to remove or add any cover, you can do so whenever you need to – without having to pay any additional admin fees. So you only pay for the insurance your business needs.

You can use our new straightforward online tool to create your own personalised cover.

Make sure that your rooms are always available

We know that if there is damage to a room the first thing you want to do is get it fixed – so you can book out the room.

That’s why with our cover, we let you get on with repairs of up to £1,500 as long as the claim is covered under your policy and then you tell us about them afterwards. Cover exclusions such as wear and tear apply and you may be responsible for a policy excess. Photographs of damage and repair docs required but in the case of equipment breakdown claims such as on a boiler or an air-conditioning unit, policyholders should retain replaced parts to allow us to inspect them. Boiler and air conditioning units are covered when optional buildings insurance selected.

Read on to find out about some of the insurance features you can choose.

Our standard cover

  • Public and products liability insurance for Bed & Breakfasts and Guest Houses

    Every Direct Line for Business Bed & Breakfast and Guest House Insurance policy comes with public liability insurance as standard. What cover you choose to add on top of this is your decision.

    Public liability covers your business in case your guests or any other members of the public are injured while they’re at your bed & breakfast or guest house. For example, if one of your guests slips on a wet floor and hurts themself, public liability would cover you. It also covers your legal liability in connection with your business for damage caused to property belonging to your guests or members of the public.

    It’ll cover your legal costs and any compensation up to your chosen limit. And if you’re found to be at fault, you’ll be insured for the claimant’s legal costs too.

  • Business contents and stock

    This covers your bed & breakfast or guest house business contents, such as:

    • Beds
    • Curtains
    • Linen
    • Wardrobes
    • Dressing tables in guest bedrooms
    • Laptops and computers etc. that you use in running your business

    This feature includes equipment breakdown, which covers the cost of repairing or replacing appliances like washer dryers and fridge freezers, if they break down and it’s not due to wear and tear.

    This cover also insures your stock, such as:

    • Food
    • Beers, wines, spirits and toiletries

    It covers contents and stock used in the property and damaged by fire, flood or any other insured event. It extends to cover your guests’ possessions while they’re staying with you.

    Your home contents are not the same as your business contents. You will need to insure your home contents under the optional household contents cover if this is required. Cover limits apply.

  • Guest effects

    This cover insures you against loss or damage to your guests’ and employees’ personal possessions at your bed & breakfast or guest house if you’re legally liable.

    This covers loss or damage to your guests’ and employees’ property:

    • Up to £5,000 per person for personal effects
    • Up to £25,000 per motor vehicle
    • Up to £100,000 per claim

Bed & Breakfast and Guest House Insurance – cover options

With our new online tool you can choose the cover features that you want and build your own entirely personalised policy.

Find out more about some of the optional insurance features that you can choose from (additional premiums apply):

  • Building cover

    This covers damage to your bed & breakfast or guest house including any additional buildings within the boundary of the property from insured events such as fire or escape of water. It covers the cost of rebuilding the property including debris removal and architect fees if it was damaged beyond repair.

    If you take out buildings cover you will be covered for equipment breakdown cover which pays to repair or replace your boiler and other built-in appliances like burglar alarm and air conditioning systems as long as the damage is not caused due to wear and tear. You need to organise the repair yourself. Cover limits apply.

  • Business interruption

    If an insured event, such as fire or flood, damages your bed & breakfast or guest house, its equipment, contents or stock, we’ll reimburse the turnover lost due to you having to partially or fully close your property to business.

    It'll also replace lost turnover following damage by an insured cause to an attraction within 25 miles of your premises - leading to a reduction in the number of your potential guests. Cover limits apply.

  • Theft of takings

    This optional feature covers your business money and damage to your employees’ clothes and personal effects, as a result of theft or attempted theft of money in your bed & breakfast or guest house and elsewhere. Cover limits apply.

  • Legal expenses

  • Employers' liability

    This feature covers your legal expenses incurred when your employees get ill or are injured whilst working for you.

    If you have people working for you it's important to understand your responsibility under the Employers' Liability (Compulsory Insurance) Act 1969 (ELCA) which makes it compulsory for employers to have Employers' Liability insurance. The ELCA act can be found here, it includes details of what counts as an 'employee' and organisations that are exempt.

We realise that you are busy making your guests feel at home. To help, our call centres are open weekdays 8am - 8pm, on Saturdays from 9am - 5pm, and on Sundays from 10am - 4pm.

If you’d like to spread the cost of your policy in your first year with us you can pay monthly for your Bed & Breakfast or Guest House Insurance for no extra cost. (Subject to eligibility, 18s and over. 0.0% APR representative.) There’s also no minimum premium amount for you to qualify for Direct Debit.

Just started running a bed & breakfast or guest house and want to get insured? You don't need to be registered with any associations to take out insurance with Direct Line for Business.

Get a £50 Out of Eden voucher when you take out any B&B, Guest House or Hotel Insurance Policy

We’ve partnered with Out of Eden to give you a £50 voucher when you take out any Direct Line for Business B&B, Guest House or Hotel Insurance policy.

Here's how it works:

  1. Create & purchase your personalised policy.
  2. Your Out of Eden voucher and letter of instructions will be sent to you 40 days after your policy start date.

New Direct Line customers only. One voucher per customer. Introductory offer starts 18-12-17 and ends on 31-05-2018. For full T&Cs click here.

Policy documents

View and download policy documents here

Hotel Insurance

Personalised Hotel Insurance from Direct Line for Business provides cover for hotels with up to 12 guest rooms.

Find out more

Frequently asked questions

  • QWhat is the Insurance Act 2015?

    The Insurance Act 2015 is a new piece of UK government legislation that becomes effective on the 12th August 2016. The purpose of this Act is to update the law in certain areas in line with best practise in the modern UK insurance market. To find out more and how it could affect you please go here: www.directlineforbusiness.co.uk/insurance-act-2015-overview

  • QWhat is Insurance Premium Tax (IPT)?

    Insurance Premium Tax is a tax payable on insurance premiums and is set by the Government.

    All documents outlining premiums, such as quotations, show how much insurance premium tax you're being charged. However, not all UK residents pay the tax, such as anyone who resides in the Channel Islands or Isle of Man.

    Please note that HM Revenue and Customs has increased the rate of Insurance Premium Tax from 10% to 12%. This will affect all policies from 1st June 2017 and will be reflected in the renewal premium.

  • QHow long is a quote valid for?

    Your quote will be valid for 30 days from the day you receive it.

  • QHow far in advance can I get a quote?

    You can get a quote up to 30 days before you need the cover to start.

  • Q What if I don't have an email address?

    To get a quote online you’ll need to enter a valid email address. If you'd like help getting a quote, call us on 0345 303 1762.

View more questions