B&B Insurance

Image of Bed and Breakfasts in UK

SME Insurance

B&B Insurance

Running a busy bed and breakfast can be hectic, with guests coming and going, cooking and housekeeping all being done throughout the day – there are several different risks to consider when running a B&B.

There are a few different insurance products which will be especially suited to bed and breakfast owners. Erskine Murray work with a carefully selected group of insurance partners to provide customised insurance solutions for businesses within the hotel and B&B sector. Being an independent broker allows us to source suitable insurance products at the prices which suit your needs and requirements.

Bed & Breakfast Insurance Quotes

Many B&B businesses will want to have a quote for public liability cover, which can protect your business should a compensation claim be made by a supplier, a guest or other member of the public. It is likely to be a good idea to get buildings insurance too, so you are covered in the event of a fire, flood or other damage to the property. Another useful insurance is for business interruption, which can be added on to your policy to ensure you do not lose your income should you need to close your business temporarily.

Insurance for B&B Owners

It is always important to consider the risks which your bed & breakfast faces, along with the level of cover you will need. Here are some examples of the types of insurance which many B&B owners choose:

  • Public Liability Insurance: to protect against claims made by a member of the public for injury or damage to their property which your business is deemed responsible. An example of this could be if a guest slips over on a wet floor in your dining room.
  • Employers’ Liability Insurance: this is a legal requirement for any business which employs staff. It covers you for claims made against you by an employee for illness or injury due to their work for you. If you do not have a suitable policy in place, you could face hefty fines!
  • Business Buildings and Contents Insurance: This can help to protect your bed and breakfast if it sustains damage due to something like a flood, fire or break-in. You could add on business interruption insurance to this which can protect your income should you need to close your business for a while due to damage.

Why Choose Erskine Murray?

Erskine Murray are a leading independent business insurance broker, working alongside our carefully chosen insurance partners to provide a wide range of insurance products for businesses throughout the UK. Our team can help you choose the right insurance policies to protect your business against the risks you face each day.

SME Insurance by Sector

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.


Including buildings, contents, liability, unoccupied and rental protection.

Business Interruption

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Food and Drink Insurance

Food and drink industry continues to rapidly expand in the UK including a huge variety of different risks to be aware of.

Business Contents Insurance

Business contents insurance is a type of business insurance that protects your organisations possessions and equipment in your work premises.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

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Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.