Skip to content

B&B Insurance

Protect your bed and breakfast, guest house or small hotel, with RAC B&B Insurance, fulfilled by Brightside

RAC Bed & Breakfast Insurance is provided by Brightside Insurance Services Ltd. Products supplied by a panel of insurance companies. Details available on request.

Protect your Bed and Breakfast from business interruptions

Whether it’s a bed and breakfast, guest house or small hotel protecting you and your business from the costs and legal responsibilities that come with being a hospitality owner starts with Bed and Breakfast Insurance. From Employers’ Liability covering accidental death or bodily injury, to Business Interruption providing financial assistance following a fire or other major insured peril, with the right insurance you will always be covered for those legal liabilities.

Important as it is to recognise the similarities between Bed and Breakfasts and hotels, it is as important to appreciate the differences and understand what makes each Bed and Breakfast and guesthouse unique. Our trusted partners appreciate those subtleties and Brightside offer a range of business insurance packages that will provide you with the unique cover that is ideal for your individual business.

Find the right cover for you today.

Standard Covers

  • Buildings insurance

    Protects you from the costs of damage caused to your building by a range of risks such as fire, malicious damage or flooding.
  • Public liability

    Covers your legal responsibility for injury caused to the public or damage to their property due to fault of you or your staff.
  • Employers’ liability

    If you have any employees and protects your legal responsibility for accidental death or bodily injury caused to your employees arising out of activities connected to your business.
  • Glass cover

    Provides cover for the replacement of broken or damaged glass caused to your business including shop front, windows and glass in display cabinets.
  • Business Interruption

    Provides financial assistance for an agreed period of time for business overheads that result from considerable interruption to your trading following a fire or other major insured peril.
  • Loss of Licence

    Various covers available that provide protection for your business or premises due to losing your liquor licence for reasons beyond your control.
  • Money cover

    Covers theft of money from your premises or whilst in transit to or from your bank.
  • Contents/Stock cover

    Protects your contents/stock from theft or being destroyed by a range of risks such as fire, malicious damage or flood.

    Bespoke commercial insurance policies may have limitations and exclusions. Please make sure you read all the documentation as soon as you receive it to confirm you’re happy with the cover provided.

Why choose us?

  • Immediate cover available
  • Tailor made policies to suit your individual business
  • Fast and friendly service from our highly trained and expert staff
  • Cover available for sole traders, small and medium-sized businesses

Optional Extras

  • Legal Expenses insurance - including cover for contract disputes
  • Goods in Transit - protects against loss or damage caused to goods on the move in the UK
  • Deterioration of Stock - protects against damage to stock in your freezers caused by a rise or fall in temperature due to breakdown of your freezer unit or accidental failure of electrical supply

Here at the RAC we want you to have the cover you need to protect you and your business.  That’s why we work with our partners Brightside to bring you Business Insurance packages from Professional Indemnity InsuranceLiability Insurance to Shop Insurance - get the cover you need today.

All cover is subject to insurers’ underwriting criteria and full terms and conditions, which are available on request.


You have a legal obligation (as a buyer of commercial insurance), to disclose information before entering (or changing) a contract of insurance. We call this your duty to make a Fair Presentation of Risk.

It means that when you seek insurance, you need to volunteer and disclose all material information that is known by you (or should be known by you), which an insurer would want to know when it’s deciding whether to offer insurance cover and, if so, on what terms and at what price.

You need to make sure that facts are correct or substantially correct, and statements of expectation or belief are made in good faith.

Get in touch

Prefer to speak to an expert on the phone? No problem, just call the number below.

Get a quote

To get a quote, click below and tell us a little bit about your Business Insurance needs.