If you have employees that work for your bed and breakfast, then employers’ liability will be needed to cover any accidents or illness that occur as a result of working in your premises. Some policies will offer employers’ liability as standard, but if you do have employees, even if they are casual workers, then you will need to ensure you have appropriate employers’ liability cover in place.
One option that you may want to consider to be included in your policy could include loss of income, which is particularly beneficial if you cannot accommodate guests because of damage to your property. For exemplary customer service, you may also want to add cover for your guests’ possessions, so they can feel their belongings are safe when they are staying with you.
When you use a home for business, home insurance is not enough cover and will not pay out for you when you have paying guests staying. Instead, you need specialist insurance that looks after your business and protects your income.
Problems such as broken boilers, windows, damage from fire, theft and guests as well as theft of contents and guests’ possessions can be expensive, so it is essential that you have the appropriate cover in place to keep your business profitable and protect yourself from any of the risks that come with hospitality business.