Generally, B&Bs tend to be smaller than guesthouses, with around 3 guestrooms. Guesthouses, on the other hand, can have up to 16 rooms but are not normally as big as hotels. At Bionic, we can cover both small B&Bs and guesthouses. Start a quote online today and our knowledgeable team will be on hand to help with any questions.

For visitors and guests that are staying in your property for free, then you don’t need break and breakfast insurance. In this case, it’s worth referring to your home insurance policy to check you have sufficient cover.

Different insurers will offer varying levels of cover based on the number of guests you have. For example, a policy might include up to 6 guests staying in 3 rooms. Another policy might offer more rooms, so it’s best to explore your options by starting a quote.

In the event a guest is causing issues, refusing to pay and you face damages to your B&B – you would probably need to report the incident to the police and look at your own options for recovering costs. We are unable to insure you to offer cover for guests who refuse to pay as there is no insured peril to claim under. 

You will need cover if you’re renting your property on Airbnb, as it’s considered a business activity. If you rely on your home insurance policy, you risk being underinsured and it being voided. Currently, we are unable to insure properties let on Airbnb, you’ll need to refer directly to Airbnb to arrange insurance.