At Terry Osborne Insurance Services Limited our Bed And Breakfast & Guest House Insurance Policies have been specifically designed and tailored to suit your specific business needs.
Our definition of a Bed and Breakfast speaks for itself, whether you open your personal home to one or two paying guests or you have a large establishment offering a Bed and Breakfast only service we can create a bespoke insurance package to service your needs.
It is especially important to remember for Bed and Breakfast establishments opening their home to guests that a standard household insurance policy will not generally accommodate business use on their policy. It is therefore essential that you get the right policy for your needs and that of your guests to ensure liability and their belongings are fully insured.
Guest houses with up to 6 bedrooms, breakfast and an evening meal can be easily accommodated with our specialised policy package. Covering liabilities for both yourself, your staff and your guests it is essential that you are covered for all eventualities. As a business owner you are responsible for the wellbeing and safety of your guests as well as employees and it is your responsibility to ensure that all your trading activities are protected with the right insurance.
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Premiums from as little as
In the past 12 months our customers have paid as little as £480*** per annum for B&B or Guest House insurance.
56%**** of our B&B/Guest House customers paid less than £1,000 per annum in the past 12 months.
Example B&B or guest house insurance policy cover
Buildings Cover. This should represent the total re-build cost of the building, including any demolition along with any additional costs to be considered in the event of a total loss. It is especially important to bear in mind that listed buildings may incur unusual planning requirements, specific building materials or longer re-building time scales.
Tenants Improvements – Min of £5,000
Fixtures and Fittings
Domestic Contents – Personal Possessions not included
General Stock – (beer, alcopops, soft drinks and dry stock)
Wines and Spirits
Money Cover – Subject to Safe Details
Electronic Business Equipment
Business Interruption – Based on Turnover and Building Listing
Goods in Transit
Loss of Licence – £100,000 as standard
Public Liability Insurance – from £2,000,000 to £5,000,000
Employers Liability Insurance – £10,000,000 as standard
Legal Expenses – Optional