Guest house insurance

Licensed trade insurance for guest houses and B&Bs

Owning a guest house or bed and breakfast (B&B) means assuming responsibility for the safety of your guests at all times while they are on your premises.

Towergate Risk Solutions Great Yarmouth understands the needs of guest house owners when it comes to protecting their guests and their business from day to day accidents and the financial implications of unwanted incidents.

Our experienced team of insurance experts will asses your needs and tailor an insurance package that will be right for your circumstances and ensure that you have adequate protection in place to keep pace with the requirements of your guest house.

Summary of features

Trade contents and stock

• Includes accidental damage as standard
• Automatic seasonal stock increase of 50%

Loss of income

• (2 years) from £750,000

Business money

• On premises during business hours/in transit: £5,000
• In locked safe: £1,500/£3,000 (higher limits available)
• In machines: £2,000
• Outside business hours not in safe: £500

Glass

• Covered to full reinstatement value
• Ornament glass: £2,000 as standard

Liability to others

• Public/products: £2 million (higher limits available)
• Employers' liability: £10 million to remain the same

Deterioration of stock £2,500

• Cellar cooling equipment with a maximum of £50,000 for any one claim

Goods in transit

• Standard cover: £5,000

Legal expenses covered as standard

Cover options

Towergate Assist

• Assistance with preparing and negotiating claims over £5,000 (excluding subsidence and liability)

Buildings cover

• Cover up to the full reinstatement value

Domestic contents cover

• With optional worldwide cover

Risk management

• Risk management through Inn Compliance

Policy Features can vary from policy to policy therefore you should check any policy wording carefully.