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Bed & Breakfast Insurance
Compare insurance for B&Bs and guesthouses
Business insurance for B&Bs and small guesthouses
Protect against claims made by staff, guests and non-guests
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses like B&Bs
Get tailored cover to protect against claims from customers & and the public
Get the protection you need with no needless extras
What's classed
as a bed and breakfast?
A B&B is a small guesthouse or part of a home that offers overnight accommodation with breakfast included. Typically, a B&B will have between four and eleven rooms, with six being the average.
What's classed as a guesthouse?
A guesthouse is generally bigger than a B&B with up to around 16 rooms catering for more guests. For example, a guesthouse may offer breakfast, lunch and dinner with a bar service while a B&B might only offer breakfast in a small dining area.
Whether you run your business in the countryside or city, with guests coming and going, it’s impossible to predict when things could go wrong. There are many risks to running a bed and breakfast - a guest could fall down the stairs, have their possessions taken by another guest, or one of your suppliers could go bust. There are endless possibilities; that’s why it's best to have your back covered should the worst ever happen.
Do you need home insurance for a B&B?
Standard home insurance won't cover a B&B or guesthouse. Opening your home up to paying guests comes with new risks not accounted for in standard home insurance. You’ll need business insurance to ensure your business activities are fully covered, even if you have an existing home insurance policy.
What cover do you need for a bed and breakfast?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
What optional extras can I get for B&B insurance?
While some insurance is mandatory, many others are also essential for peace of mind. Including legal expenses. This covers any legal costs associated with lawyers and taking legal action against common issues, such as disputes with guests or suppliers. Legal expenses cover can only be used if there is a good chance the claim will succeed.
Get bed and breakfast insurance with Bionic
At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use our knowledgeable insurance team who work with a panel of trusted insurers to find you the right cover. Our UK-based team helps business compare insurance quotes to find the right one that fits. Get in touch with us today by starting a quote online.
“The right B&B insurance is key for protecting your investment and guests. It's not just a safeguard — it's part of responsible hospitality."
Insurance Director, James Barwell
What exclusions apply?
We normally provide the policies included above, but every insurer is different. For full details of exclusions on your insurance product, please see the documentation sent to you or ask a member of our knowledgeable insurance team. For new customers, call 0808 253 4304 or 0808 253 4304 if you are an existing customer.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Bed & Breakfast Insurance FAQs
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