Bed and Breakfast Insurance

Buildings, contents and liability cover for bed and breakfast venues.

  • Specialist team
  • 24-claims helpline
  • Call us on 0345 266 8583
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If you need additional assistance arranging your insurance, find out how our teams can support

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Why choose bed and breakfast insurance with Towergate?

Claim

24-hour claims helpline

Claims helpline available 24/7 for bed and breakfast insurance.

Woman

Friendly specialist team

We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available Mon - Fri 9am - 7pm and Sat 9am - 1pm.

Direct Debit

Spread the cost of your bed and breakfast insurance

You can spread the cost of your bed and breakfast property insurance over monthly Direct Debit  instalments.

People

Multiple bed and breakfast guests

We can cover your bed and breakfast for up to 10 guests staying in 5 rooms. If you have more speak to us directly to see how we can help.

About bed and breakfast insurance

Liability

Liability insurance for bed and breakfast venues

If your bed and breakfast guest suffers an accident on your property, and it’s linked to their stay, we will cover for up to £2m for third party claims.

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Cover for guests' belongings

We can cover your guests’ possessions up to a value of £1,000 in any one insured period, with a maximum of £1,000 in a year. This means you can make multiple claims but is capped at £1,000 until you renew your policy. This covers most luggage items including phones, laptops, jewellery and cosmetics. However, we are unable to cover your guest’s personal cash.

Money

Loss of booking income

Our policy insures you for up to £100 per week for up to eight weeks to help your business tick along while repairs are made for escape of water and fire insured events.

House

Alternative accommodation cover

If your bed and breakfast property is your main residence and it becomes uninhabitable our policy can help towards covering the cost of getting you comfortable and safe.

Trade

Homecare emergency cover (additional cover)

You can add homecare emergency cover to your policy which gives you access to a 24-hour helpline and a network of reliable UK tradespeople.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01708 777 710 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!

For unrelated guests that stay in your property at no charge you would not need this extra cover. Always check the terms of your current home insurance to confirm if it covers your requirements.

This particular policy is limited to ten guests staying in five rooms. Unfortunately, this policy does not cover six people in six rooms or anything over ten people in your B&B at any one time. If you require more cover for more guests or rooms, please still get in touch and we’ll source you a more suitable policy.

Our B&B insurance policy does include loss of income but only in the case of an insured peril such as escape of water or fire. If a guest stays with you but refuses to pay, we are unable to pay out for this circumstance.

Yes, you can add cover for home emergencies to your property insurance policy.

  • Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property.
  • Extend to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations.
  • Access to a 24-hour helpline and network of reliable UK tradespeople.

Please talk to your Towergate adviser for details.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

You can pay by debit card, credit card or monthly direct debit.

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