Bed and Breakfasts Insurance
Protect your B and B from guest claims, property damage and food safety incidents with cover designed for small accommodation businesses.
Get in touchWhat is bed and breakfasts insurance?
Bed and Breakfasts insurance is a specialist policy that protects bed and breakfasts from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a bed and breakfast business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your bed and breakfast business faces.
Public Liability
Covers claims from guests for injury or property damage at your B and B.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your B and B building, guest rooms, furnishings and equipment.
Products Liability
Covers claims from food and breakfast items you serve to guests.
Who needs bed and breakfasts insurance?
Traditional B and Bs
Offering bed and breakfast accommodation in a residential property
Guest houses
Operating a larger guest house with multiple rooms
Farmhouse B and Bs
Providing accommodation on a working farm
Luxury B and Bs
Offering premium bed and breakfast experiences
WHY CECIL
Built differently.
Overnight guest cover
B and Bs have a duty of care to overnight guests. Cecil finds insurers who understand the risks of providing accommodation in a residential setting.
Property protected
Your B and B building and furnishings need proper cover. Cecil ensures your policy reflects the value of your property and its guest accommodation use.
Food service covered
Serving breakfast creates food safety liability. Cecil includes products liability so you are covered if a guest becomes ill from food you served.
Affordable for small operators
B and Bs are often small family businesses. Get your cover options that provide proper cover at a price that suits smaller accommodation providers.
Common questions about bed and breakfasts insurance
Do B and Bs need public liability insurance?
Yes, public liability is essential for B and Bs. Guests can be injured on your premises, and as a hospitality business you have a heightened duty of care.
Does B and B insurance cover guest food allergies?
Products liability covers claims arising from food you serve, including allergic reactions. Make sure you have proper allergen procedures in place.
Do I need buildings insurance for my B and B?
If you own the property, buildings insurance is essential. It covers the cost of rebuilding after fire, flood or other insured events.
What level of public liability do B and Bs need?
Most B and Bs carry between £2m and £5m. Online booking platforms may specify minimum cover levels.
Does B and B insurance cover guest belongings?
Some policies include limited cover for guests' property. Cecil can advise whether this is included or available as an add-on.
Interested in Bed and Breakfasts insurance?
We will be in contact when Cecil launches.