Bed & breakfast insurance FAQs

All your questions about B&B insurance, answered online
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I’m starting a B&B. What happens to my house insurance?

What is covered in a HomeProtect B&B house insurance policy?

Is accidental damage included in my B&B home insurance policy?

Is public liability insurance included in my B&B cover?

Do you cover all types of B&B properties?


I’m starting a B&B. What happens to my house insurance?

Standard home insurance will not provide the same level of cover for a Bed & Breakfast business. You may well find that house insurance can be harder to get hold of than standard types, due to the fact that you now have a steady stream of guests staying in your home. While you are working from home, you are also at risk of accidental damage and may need to look into liability insurance. Start your quote at HomeProtect to find out what can be covered with our B&B house insurance.

What is covered in a HomeProtect B&B house insurance policy?

We can provide cover for all manners of 'working from home' situations. The way that your policy is underwritten will depend upon the type of business you are carrying out, as well as the extent to which the property is now being used for commercial purposes. In terms of B&B business, one of the main factors that you will need to disclose is the volume and frequency of guests that you receive. Start a quote to find out more specifics.

Is accidental damage included in my B&B home insurance policy?

Unfortunately accidental damage is not included as standard. However, cover for accidental damage is available as an additional cover option in most cases. You will need to bear this in mind when completing your online quote, and tailor the policy to your specific needs with our handy additional cover options.

Is public liability insurance included in my B&B cover?

Bed and breakfast home insurance includes up to £5 million cover for public liability. However it does not include employer liability insurance. It cannot be used as a substitute to business insurance, and you should still look into getting the right level of cover necessary to run your business.

Do you cover all types of B&B properties?

At HomeProtect we can cover any type of B&B with six bedrooms or fewer, as long as you never have more than twelve guests at a time. Anything more than that and you’re running a hotel, which we don't cover!