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Insurance for Bed & Breakfast Premises, Guest Houses (UK)

Guest House / Bed And Breakfast Insurance
In the event of fire damage or a similar catastrophe the owner of a guest house or a bed and breakfast establishment could lose not only his home but also his livelihood. With rooms unavailable there would be nowhere to accommodate guests and without guests there would be no income. If you found yourself in this situation you would want to be confident that the insurance you had arranged would provide adequate protection for both the material damage and any consequential loss. You would also want a prompt and efficient claims service to respond to your immediate and longer term needs. John Pieri Insurance Services Ltd can give you that confidence, enabling you to concentrate on your business without worrying about whether you are adequately covered. Our unique Guest House Scheme is underwritten by Great Lakes Reinsurance (UK) plc which, based on its ability to pay claims, has been awarded A+ rating by both AM Best and S&P.

Cover available
Insurance can be arranged for:

• Buildings
• Trade Contents
• Household Goods and Personal Effects
• Business Interruption
• Money
• Glass
• Public Liability
• Employer's Liability
• Failure of Public Utilities
• Frozen Food
• Loss of Keys
• Loss of Licence
• Goods in Transit
• Legal Expenses

Full details of your cover will be provided in your policy document or policy summary, both of which are available upon request. The basis of cover is Fire and Specified Perils, with the option of including Accidental Damage. There may be some variations according to the nature of the risk proposed but generally, the Special Perils will include lightning; explosion; earthquake; aircraft; riot & civil commotion; storm & flood; escape of water, oil and bulk beverages; malicious damage ; impact; falling trees, lamp-posts or telegraph poles; and theft. Subsidence cover may also be available.

Notes for Guidance

Building
The sum insured should represent the FULL COST OF REINSTATEMENT, plus debris removal and professional fees. You are recommended to take professional advice in this regard.

Trade Contents
The sum insured should be sufficient to replace all the contents AS NEW. An inventory can be very useful in this respect but remember that an inventory produced for the purpose of buying or selling the business shows a market valuation, not the replacement cost.

Business Interruption
When considering the indemnity period you should reflect on how long it might take to return to normal trading after a major loss. If you choose a period of more than 12 months, don't forget to increase the sum insured accordingly.

Contact us
If you would like to know more, please use our online enquiry form and we will contact you. Alternatively, you may telephone us on 016977 45630. We are happy to discuss any aspect with you in confidence and with no obligation.

Guest House Policy Summary