Choosing the right hotel and B&B insurance

Sometimes being accommodating is just not enough to keep customers happy – and that’s when hotel and B&B insurance comes in handy.

Having someone stay on your premises can present a whole range of risks that could end up in a claim for compensation.

Hotel and B&B insurance offers a menu of core cover plus add-ons that can be tailored to suit the smallest B&B to a large hotel including liability, business interruption, buildings, contents and vehicle cover.


Public liability insurance protects against guests claiming for sickness or injury from a range of incidents, like falling ill from something they have eaten, or for slips and trips on the premises.

By law, hotels and B&Bs must have employer liability insurance that offers the same cover to employees as public liability insurance gives to guests.

Business interruption

Business interruption pays out likely profits lost when a hotel or B&B is forcibly closed for business – for instance, after a fire, flood or a break-in.

Buildings insurance

Only building owners should take out this cover. If the hotel or B&B is rented, this is the landlord’s responsibility.

Add-ons to standard buildings cover can include:

  • Accidental damage to fixed      glass  – This looks after the cost      of boarding up and replacing windows, frames and doors

Read more about hotel and B&B buildings insurance

Contents insurance

Contents covers stock, computers, business records, machinery and equipment a hotel or B&B needs to operate. This cover is the responsibility of the trader not the freeholder if the hotel or B&B is rented.

Add-ons to standard contents insurance can include:

  • Money cover – Compensation      for stolen cash, stamps, cheques or postal orders
  • Stolen key replacement –      Pays for new locks and keys to secure the building from burglars


Some hotel or B&Bs have vehicles to taxi guests around or vans to collect goods from suppliers, like cash-and-carries. These vehicles all need business insurance, even if the B&B owner uses their own car.