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