Details of the work
Rooms, meals, occupancy and amenities.
Accommodation and hospitality properties · Business insurance
Bed and Breakfast Insurance
Hosted accommodation combines guest access and residential premises.
Prepare your bed and breakfast insurance enquiry around the work you actually perform, the property you rely on and your customer agreements.
Start my business enquiry →No obligation to buy. A licensed provider confirms terms and availability.
Start with your bed and breakfast operations
Short stays, student rentals, camps and hotel operations have different occupancy patterns. Explain services offered alongside the accommodation.
A question to put to your broker
Are all guest services and residential use accepted?
Prepare for your bed and breakfast quote
Your business records
Bring your legal business name, operating locations, revenue split, employee and subcontractor details, current policy and claims history. Identify changes planned during the coming year.
List buildings, guest capacity, rental duration, amenities, housekeeping, food service and any recreational activities.
Coverage questions to compare
Discuss building and contents protection, guest injury allegations, loss of income and vacancy or seasonal conditions. Platform protection should be reviewed alongside your own arrangements.
Use the guides below to prepare questions, rather than assuming every section is required or included. A package name alone does not establish what is insured.
Keep proposals comparable
Use the same declared activities, locations and values. Compare limits, deductibles, exclusions, defence costs where relevant and the full policy term. Highlight contractual insurance requirements before you accept a proposal.
Discuss my coverage needs →Claims scenario: bed and breakfast
Hypothetical scenario
A guest alleges injury on the premises.
Preserve the relevant agreement, photographs and incident records, and notify the insurer according to the policy instructions. Ask how the declared bed and breakfast activities, cause of loss and applicable exclusions affect the review.
Actual outcomes depend on the facts and wording. This example is not a promise that a claim will be paid.
Questions before you request bed and breakfast insurance
What can change the cost of my proposal?
The activity details, scale, locations, claims history and selected terms affect an individual review. For bed and breakfast, start with these details: rooms, meals, occupancy and amenities. A published example is not your quote.
What if I add another service?
Tell the provider before relying on cover for the new activity. Describe how it changes the operation and ask whether an endorsement or separate policy is needed.
Are all guest services and residential use accepted?
Send the exact activity description and relevant contract to the licensed professional. Ask for the applicable policy sections and exclusions to be explained, and obtain confirmation of accepted activities and effective dates.
Take the next step
Bring this checklist to your insurance conversation. Submitting an enquiry does not bind coverage.
Start my business enquiry → Explore accommodation and hospitality properties →General information. Browse all business activities.
