Bed and Breakfast Insurance

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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.

Like with any business, you must be conscious of potential risks such as theft, damage or damage to your B&B guests' belongings, most of which will not be covered by regular home insurance.

Bed and breakfast insurance

"Your bed and breakfast insurance policy needs to cover your home contents and buildings, your business and your legal liability towards your paying guests."

What is a Bed and Breakfast?

A bed and breakfast is a small lodging establishment that offers overnight accommodation and breakfast. Bed and breakfasts are often private family homes and typically have between four and eleven rooms, with six being the average.

B&B, hotel, or guest house - what's the difference?

Legally, there are no differences when distinguishing a B&B from a hotel or guest house; this comes down to what the owner decides to name their establishment. However, there are a few main differences between the three:

  • B&B’s are often owner-operated, not part of a chain
  • B&Bs are often smaller than both guest houses and hotels
  • Differences in the star rating scheme

If you’re looking to insure a hotel or guest house specifically, please visit our Hotel and Guest House insurance page.

Why use specialist Bed and Breakfast Insurance?

Running a bed and breakfast can be massively rewarding, and with any business, create a level of freedom that a regular career can’t. However, it also comes with responsibility and challenges. If you consider the guests and suppliers going in and out of your property, you may face several risks and challenges daily. Therefore, you must have comprehensive insurance to protect not only your customers and business but also your reputation.

Your bed and breakfast business is an asset, so you will need effective buildings cover in case of theft, accidental damage, weather damage, as well as cover for all your fixtures, fittings, and contents.

Most traditional home insurance providers will not cover bed and breakfasts as a part of their standard packages; Therefore, specialist bed and breakfast insurance is vital to your business.

How can we help?

Fortunately, QuoteRack works closely with insurance brokers who can offer you access to specialised schemes offered by niche insurance companies looking to provide bed and breakfast insurance quotes.

Bed and Breakfast Insurance - FAQ's

What does Bed and Breakfast insurance cover?

The type of bed and breakfast insurance you need is entirely based on your business needs, circumstances and use case. Common types of cover include:

  • Public and products liability
  • Business contents and stock
  • Guests' effects
  • Buildings cover
  • Business interruption
  • Theft of takings
  • Legal expenses
  • Employer's liability

Are guests' effects covered by Bed and Breakfast insurance?

Generally, guests' effects should be covered by Bed and Breakfast insurance. Please consult with our approved brokers to decide whether this is needed for you.

Can I insure my Airbnb?

As a professional bed-and-breakfast business owner, if you are also acting as a host for Airbnb then you need to tell your business insurer that your home is available to paying Airbnb guests. Home insurance is available through QuoteRack for B&B owners who let rooms to Airbnb guests.

Enquire through QuoteRack for a Bed and Breakfast insurance quote

If you have explored other avenues of enquiry in your search for bed and breakfast insurance quotes, then you are welcome to submit your details through the QuoteRack website, without cost or obligation to proceed when you receive your insurance quote.

Check out these YouTube videos, from experts in running a bed and breakfast business and their tips regarding B&B Insurance:


"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"

"If you own a B&B and you are looking to insure it, QuoteRack's insurance brokers will help you - simply enter your contact details and our specialist brokers will be in touch."

Bed and Breakfast Insurance