Running a bed and breakfast (B&B) is a rewarding experience, but it also comes with its fair share of challenges—especially when protecting your property. Things don't always go to plan, from unpredictable weather to the occasional accident-prone guest. That’s why having the right insurance is essential to keep your business running smoothly and give you peace of mind.
As the proud appointed insurance broker for members of the Bed and Breakfast Association (BBA), Marsh Commercial is here to offer you B&B insurance that protects you from the everyday risks your business faces. With our experience in the hospitality sector, you can count on us to provide friendly advice and the right coverage options to help protect your property and support your livelihood.
Common property damage risks for B&Bs
Weather woes—storms, floods, and harsh weather can take a toll on your property, damaging roofs, gardens, and outdoor spaces. They can cause long-term structural issues if not addressed promptly.
Fire and smoke—a minor kitchen mishap, an electrical appliance overheating, or even a careless guest with a candle can quickly escalate into a fire. Even minor fires can result in extensive smoke damage, requiring costly repairs and professional cleaning.
Water washouts—burst pipes, leaking roofs, or faulty plumbing can result in water damage, affecting walls, flooring, and furniture. These risks can all lead to expensive renovations.
Theft and vandalism—empty rooms between guest stays can be tempting for burglars or vandals, resulting in stolen items, broken windows, or graffiti that can tarnish your B&B’s reputation.
Guest accidents—from spilt drinks on carpets to broken furniture and accidental damage to fixtures, guest-related mishaps are part and parcel of the hospitality business. Even well-meaning guests can unintentionally cause costly damage.
Business interruptions—property damage often leads to temporary closures, resulting in lost bookings, refunds, and operational disruptions. Without a financial safety net, recovering from these interruptions can be tough.
Simple steps to reduce risks
Stay on top of smoke detectors—make sure every room and common area has a working smoke detector. Test them regularly and consider interconnected alarms so everyone is alerted in case of a fire.
Do regular property walkthroughs—inspect your property for potential hazards like loose wiring, plumbing leaks, or structural issues. A simple checklist can keep things organised and help you catch problems early.
Plan for flooding—if you’re in a flood-prone area, install flood barriers, keep drainage systems clear, and have a flood response plan ready, just in case.
Use fire-resistant materials—if you’re upgrading your B&B, opt for fire-resistant roofing and interior materials to add an extra layer of protection.
Create an easy-to-follow emergency plan—have a clear emergency plan with evacuation routes, emergency contacts, and safety instructions. Make sure staff know what to do and consider providing guests with a quick guide on emergency procedures.
Must-have insurance for B&B owners
Your B&B is both a home and a business, so standard home insurance may not provide adequate cover. Instead, you need a specialist buildings and contents insurance policy that protects against your business's unique risks.
To ensure you’re fully protected, here are some key policies to consider:
Buildings insurance—this policy covers the physical structure of your B&B against risks like fire, floods, and vandalism. Often a requirement for mortgage lenders, it is vital for protecting your livelihood and ensuring you can recover from major damage.
Contents insurance—protects your furniture, fixtures, and fittings from theft or accidental damage. This includes essential items such as bedding, kitchen equipment, and décor. Keeping an up-to-date inventory of your contents ensures smooth claims processing and adequate coverage.
Business interruption insurance—if an insured event, like a fire or flood, forces you to temporarily close, this coverage helps replace lost income and manage ongoing expenses. This policy helps cover lost income and essential expenses, ensuring your business can recover smoothly.
Final thoughts
Running a B&B is about creating a warm and welcoming space for your guests, and the last thing you need is unexpected property damage, throwing a wrench in your plans. Whether it’s a leaky roof, a guest accident, or an unforeseen closure, having the right cover means you can focus on what matters most—providing a fantastic experience for your guests.
If you’d like advice on managing your daily risks or would like a competitive quote for your B&B insurance, please get in touch with our experienced BBA team at Marsh Commercial. We're here to help you every step of the way.
