Bed & Breakfast and Guesthouse Insurance

Why do you need insurance? Damage to Stock or Equipment by Flood, Fire or Theft, Injury to Staff or Customers, Failure of Refrigerators, Prosecutions, Tribunals - all disasters that could disrupt your family and business and possibly cause it to close. The correct insurance will minimise the damage to your business.

What insurance do you need? Whatever your size Sutcliffe & Co will provide a comprehensive package of insurances tailored to you. If simple cover is all you need we will not force unnecessary extras upon you. Annual premiums for a basic package covering a small B&B or guesthouse start from under £300. Larger or more unusual enterprises will require bespoke policies to suit their particular needs.

Basic cover for a small guesthouse would normally include as standard:

Public Liability Products Liability Refrigerated Stock Personal Household Contents Electronic Equipment  Business Interruption

Employers Liability Stock Business Contents Money Book Debts

What else might you need? As no two establishments are alike, no two policies should be alike. Sutcliffe & Co will not just offer you an off the shelf solution, we want to get to know your business intimately in order to provide what your business requires. We may recommend additional covers such as:

Loss of Licence Reinstatement of Computer Data Fidelity / Employee Dishonesty Tenants Improvements Loss Recovery Tour Operators Liability Work Away Liability Motor Guests Effects

Buildings Equipment / Machinery Breakdown Equipment All Risks  Legal Expenses Directors & Officers Terrorism Personal Accident & Illness Travel

What if you have faced problems with your insurance? Because Sutcliffe & Co are independent brokers we can use our experience and wide range of insurance companies to solve problems that others can not:

Swimming Pool Adventure Activities Thatched Roof

Listed Buildings Children’s Play Areas Antiques / Fine Art

Act now! Call us on 01905 21681 to get your insurance needs met