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Bed and Breakfast

Whether you run a bed and breakfast, a winery, a hotel or a farm stay your risks are unique and require a specialist solution to ensure you are best placed to respond to events that could affect the financial strength and continuity of your business.

For us, helping clients is not just about protecting the “now”, it’s about encouraging them to see what’s possible.

While your insurance program should always include the basic areas of cover like Property, Business Interruption and Public Liability, a specialist Bed and Breakfast insurance policy will ensure the risks specific to your business are covered.

A Bed and Breakfast policy will extend to incorporate elements such as, loss or damage to the property of your guests, lost or stolen credit cards, spoilage of frozen food and replacement of locks and keys.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions. Axisbbpol v8/10 & AGL08 v2.2014

Covered Features

  • Bed and Breakfast  Accidental Damage

    Accidental Damage

    Cover provided up to the sum insured.

  • Bed and Breakfast Replacement Value

    Replacement Value

    Provides new for old cover for buildings and contents.

  • Bed and Breakfast Temporary Removal of Contents

    Temporary Removal of Contents

    Provides cover for anywhere in the world (some limitations apply).

  • Bed and Breakfast Guest Property

    Guest Property

    Covers the guest property up to limit provided by insurer.

  • Bed and Breakfast Loss of Income

    Loss of Income

    Alternate Accommodation and Loss of Income - up to 10% of building sum insured.

  • Bed and Breakfast Flood


    Provides cover for damages to general contents up to $10,000.

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