Bed & Breakfast insurance you can trust
Bed & Breakfast Insurance
Although you may only run on a seasonal basis, when insuring a Bed & Breakfast you are providing cover for a home, a business, a restaurant and sometimes a leisure facility. With complex requirements it is appropriate to understand what cover you have and what is not insured.
Buildings insurance – the cost to clear the site, obtain any necessary planning consents and the cover the rebuilding cost, (this is not often the same as the market value of the property).
Contents insurance – the cost to replace all of the fixtures, fittings, furnishings and other contents right down to cutlery and crockery, plus your own contents.
Employer’s Liability – unless you do all of the work, cooking, cleaning and maintenance yourself you will have staff and therefore require Employer’s Liability cover.
Public Liability – incase a visitor injures himself/herself on the premises you require Public Liability cover.
Product Liability – incase there is a complaint that the food in your restaurant has made someone ill, you require Product Liability cover (included with Public liability).
Professional Indemnity – if you ‘train’ staff (other than your own) you may require Professional Indemnity cover.
Staff Personal Possessions – you may wish to protect staff personal possessions against theft and therefore may well require an extension of cover for this.
Vehicle – if you run vehicles in the name of the business you will require motor insurance.
Fidelity cover – you may also find that you put your staff in a situation where they could handle money or possessions belonging to someone else so you may also require Fidelity cover.
Cyber cover – you have computers in your business and therefore may wish to add Cyber cover.
Legal Expenses – in case it is ever necessary to take legal advice.