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Insuring your B&B and your home
As B&B owners, your bed and breakfast insurance policy will differ significantly from standard home insurance cover, because as well as insuring your home, you are also effectively insuring a guest house as a business and so the insurance requirements for any bed and breakfast business will need to be quite specific.
"Your bed and breakfast insurance policy needs to cover your home contents and buildings, your business and your legal liability towards your paying guests."
Is it a B&B or a guest house?
How much you pay for your B&B insurance will depend on a number of factors, including the number of letting rooms you have and of course the value of your contents. Additional cover will enable you to insure against theft, accidental or malicious damage, plus public and employers liability if this is appropriate to your bed and breakfast business.
Your B&B is a business
Your bed-and-breakfast insurance quote will include public liability cover for your guests, as well as the usual types of cover that you would expect from a normal household insurance policy. Make sure your B&B business is properly covered by getting a quote now for your bed and breakfast insurance.
If you own a B&B and you are looking to insure it, QuoteRack's specialist insurance brokers will help you - just hit the 'Get a Quote' link to complete your details online.
Thinking of starting your own B&B business? Have a look at The B and B Association for helpful hints and tips.
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"Taking in paying guests requires specialist insurance cover - as a B&B owner, you need to make sure your bed and breakfast business, which is also your own home, is fully insured"
"We wrongly assumed that our household insurance would cover the bed and breakfast business too; fortunately, we received an excellent B and B insurance quote that included the paying-guest business as well as our own home"