Bed & Breakfast exterior with plants on display


Bed & Breakfast Insurance

We compare quotes from leading insurers
Every bed and breakfast owner knows running a guesthouse carries risks to everybody involved, from staff to guests to visitors. But those risks can sometimes seem invisible until something unfortunate happens.

At Premierline, we understand the unique needs and challenges faced by owners of bed and breakfast establishments. As a proud owner of a B&B, you provide a warm and inviting experience for your guests, and we're here to ensure that your business is protected every step of the way.

We have many years of experience arranging B&B insurance, enabling us to arrange tailored insurance solutions from our panel of trusted insurers, specifically designed for bed and breakfasts. Trust our experts to find the right insurance covers for your B&B so you can have peace of mind knowing that your property, guests, and livelihood are safeguarded against unexpected events.

Contact Premierline today to schedule a free consultation with one of our experienced insurance specialists, so you can focus on providing unforgettable experiences for your guests.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Bed & breakfast insurance is a package of insurance covers designed to provide comprehensive coverage for B&Bs and their owners. It combines various types of insurance covers into a single policy to protect the physical property, contents, liabilities, and business operations associated with running a guesthouse. This insurance typically includes property coverage for the buildings and contents, liability coverage for guest injuries or property damage, business interruption coverage, and additional options tailored to the specific needs of guesthouse owners. B&B insurance provides financial protection and peace of mind, ensuring that the business is safeguarded against potential risks and liabilities.
When deciding what insurance and covers you need to protect your business, you should consider the following:

As a B&B owner, having bed & breakfast insurance is highly recommended. While in most cases it may not be legally required, guesthouse insurance provides essential protection for your property, liabilities, and business.

The risks associated with running a bed & breakfast are vast and have the potential to impact the business’s ability to trade, possibly leading to large financial losses. Ensuring your guesthouse is safeguarded against all eventualities is essential for business continuity and should be considered by all business owners.

At Premierline, we offer a range of bed & breakfast insurance policies that can be as simple or comprehensive as you need depending on your business needs. When deciding what insurance you need to protect your B&B, you should consider the following:

  • Public liability - for injured guests or damage to their property.
  • Employers' liability - to protect your employees.
  • Personal accident - provide valuable benefits and financial support for business owners.
  • Buildings cover - to cover for loss or damage to your guesthouse.
  • Equipment, contents and stock - to reinstate your items and belongings.
  • Business interruption - to keep finances running when disaster strikes.
  • Money cover - for theft or attempted theft.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
  • Business legal expenses - to cover the cost of legal expenses or defend your business against legal action.
  • Guest effects insurance - typically insures you against loss or damage to your guests' personal possessions.
  • Cyber and data cover - protection in the event of a cyber-attack or data breach.

The cost of insurance for a bed & breakfast will depend on several factors, including the size and location of the B&B, the types of covers required, the value of the assets being insured, and the overall level of risk associated with the business.

It is difficult to estimate the cost of insurance for a bed & breakfast without taking these factors into account. The best way to get an accurate estimate of the cost of insurance is to speak to one of our insurance advisors who can assess the specific needs and risks of your business and provide a quote from a recommended insurer.

Whether you’re just providing accommodation, or have different facilities for your guests to enjoy such as a restaurant or spa, we’re here to make arranging your bed & breakfast insurance simple and hassle-free. We understand the pressure of running a business which is why we’ve made it easy for you to compare quotes and covers from some of the UK’s leading insurers.

As a business insurance broker, we can source insurance for a range of different bed and breakfast and accommodation businesses. Whether you run a small lodging, or operate with a larger offering, our team are able to find the best insurance to suit your demands and needs. Here are just some of the common types of B&Bs we work with:

Guesthouses, small hotels, urban B&Bs, historic bed & breakfasts and country inns.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Business Owner
Customer since July 2017
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Contact Premierline today to schedule a free consultation with one of our experienced B&B insurance specialists. We will assess your unique requirements and provide you with a tailored insurance solution that meets your needs and budget.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm