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. Here at the RAC we appreciate those subtleties and have designed a range of Business Insurance packages that will provide you with the unique cover that is ideal for your individual business.

Check out our Guesthouse Insurance packages below and find the right cover for you today.

• 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