Bed & Breakfast Insurance

What Is Bed And Breakfast Insurance?

The risks of running a bed and breakfast are numerous and have the potential to impair the business's ability to trade, resulting in significant financial loss. It is essential for business continuity to ensure that your bed and breakfast are prepared for any possible scenario.

Why would I need Bed & Breakfast Insurance?

Every bed and breakfast proprietor understands that it entails risks for everyone involved, from staff to guests to visitors. However, those risks may be overlooked until something unpleasant occurs, and without the proper insurance in place, the cost of an accident or mistake may severely impact your business, reputation, and ultimately, your livelihood.

Buildings, content, and stock:

Many bed and breakfast owners share aspects of their private accommodation with their guests, safeguarding your possessions and valuables is crucial. The cost of replacing carpets, fixtures and fittings, lighting, plumbing, and wiring can all be covered by your bed and breakfast insurance if anything goes wrong, so it's vital to know everything when deciding on the level of protection you need.

Business interruption:

If your business was unable to trade due to a fire, business interruption cover will protect your income and may cover additional costs until you get back in operation.

Cyber insurance:

If you have a website, store personal information about your bed and breakfast guests, vendors, or even employees, and rely on computer systems in your day-to-day operations, you will want to protect yourself.6 Although cyber insurance cannot prevent a hacker from entering your system, it can provide critical assistance if your data is compromised.