Bed & Breakfast Insurance

Ask an insurance company for Bed & Breakfast Insurance, and you’re usually offered ordinary household insurance. “Not enough cover!” You say “I want Bed and Breakfast Insurance.” They offer you a hotel policy “Too much cover!” You cry “l just want Bed & Breakfast Insurance.” You can ask for Bed and Breakfast Insurance until you’re blue in the face, but you won’t get correct Bed & Breakfast Insurance.

Fifteen years ago, we at Lyon Insurance Services, seeing how difficult it was to find the correct Bed and Breakfast Insurance, developed (in conjunction with Norwich Union) a specialist Bed & Breakfast Insurance policy. As well as all the usual benefits you would expect from a company like Norwich Union, our Bed and Breakfast Insurance gives public liability insurance, full accidental damage cover and even covers theft by a guest - making our Bed & Breakfast Insurance a must have for any B&B owner.

Designed for B&Bs with up to 8 bedrooms our Bed and Breakfast Insurance gives £50,000 contents cover (higher limits available) on all the contents in your house, both business and personal - no need for separate insurances, our Bed & Breakfast Insurance cover everything under one roof. It doesn’t stop there, our Bed and Breakfast Insurance can be extended to cover personal accident and worldwide personal possessions cover, making Lyon Insurance Services’ Bed & Breakfast Insurance a winner.

• Risk 1. Unlike our Bed & Breakfast Insurance, household policies state, “The home is occupied by you, and members of your family only.” Insurer’s finding otherwise, can void a policy and reject any claim – Whether a guest was involved or not.

• Case History. Claiming £200 for spoiled frozen food, Mrs. M. of Scotland casually mentioned to her “Direct” household insurer “The freezer was full, as I’m busy with guests” Result – Policy cancelled, claim rejected – What if this had been a major loss?

• Risk 2. Unlike our Bed and Breakfast Insurance, household policies give no liability cover for guests. (Although it can usually be added, at a cost). Without this cover you risk financial disaster, in a compensation culture fuelled by “no win no fee” TV adverts.

• Case History. A lady fell down a flight of stairs in a North Wales guesthouse, breaking her pelvis. Her £50,000 claim blamed poor lighting, due to a blown light bulb – Could you handle the worry and cost, if not insured?

• Risk 3. Unlike our Bed & Breakfast Insurance, household insurers’ if they know you take paying guests, usually restrict cover. Insisting theft must involve “violent or forcible entry to a building.” - Effectively excluding theft by guests.

• Case History. When a guest disappeared with cash and jewellery, Mr. C. of Yorkshire’s claim was rejected as no “break-in” had taken place.

• Risk 4. Unlike our Bed and Breakfast Insurance, there is no “Loss of income” cover on a household policy.

• Case History. Mrs. P. of Essex had to close her B&B for 3 months in summer following a flood. Her householder insurers paid for repairs, but not the £1,000s lost income.

2. Theft by a paying guest?

3. Loss of income following a claim?

Answered NO to any of the above – then contact us for a Bed & Breakfast Insurance quotation.

What’s more, take out a Bed and Breakfast Insurance with ourselves and you have access to Norwich Unions’ 24 hour, 365 day Emergency Helpline - for any claim on your Bed & Breakfast Insurance.