Get a Quote

Get a quote

Our team of specialist guest house advisors will listen to your requirements and find the best cover for your business.

Get a quote today for your B&B, guest house, hotel or AirBnB business, Please fill in the form below as accurately as possible. This will help us find the best quotation to match your insurance requirements.

1Ownership

2Business

3General

4Property Details

5Cover

6Contact

Step 1. Business Ownership

How your business is owned and the trading name of your business.

Company status: *

Sole proprietors full name: *

If more than 1 person owns or runs the guest house please re-select 'Partnership' from the 'Company Status' box

First partner's full name: *

Proprietor's date of birth: *//

day/month/year

Second partner's full name: *

Second partner's date of birth: *//

day/month/year

Other partner's full names:

Please add additional names if there are 3 or more partners in the business

Limited company full name: *

Limited Liability Partnership full name: *

Public Limited Company full name: *

Trading name: *

e.g. Smiths B&B

Step 2. About Your Business

Please answer the below questions about your business as honestly and accurately as possible. Failure to do so could see your policy cancelled or a claim being rejected.

My business is a: *

Risk Address *

Address Line 1

Address Line 2

City

State / Province / Region

Postal Code

We are unable to insure guest houses in Northern Ireland

Date you established or are establishing this business?: *//

day/month/year

Date business itself was established?: *//

day/month/year

Is the business licensed (i.e. sells/serves alcohol)?: *

As licensed, who is alcohol served to? *

Do you have any frying equipment?: *

What is your estimated turnover for the next 12 months? (Your Gross Profit): *

Do you have any employees?: *

Either permanent, temporary or short term

Employee Wageroll: *

Total number of bedrooms, including own: *

How many of these bedrooms are rented out?: *

Maximum number of guests you can take at any one time: *

Are any rooms let on a self-catering basis?: *

These are bedrooms or maybe an annexe where guests can cook or heat meals themselves.

How many bedrooms are let for self catering?: *

Include details of the equipment available to guests for cooking or heating food

Do you have a breakfast or restaurant area with tables for guests?: *

Seating capacity: *

What customers will use the breakfast room/restaurant?: *

Do you have any leisure facilities?: *

E.g. Swimming Pool, Jacuzzi, Hot Tub, Sauna, Massage/Therapy Room, or Gymnasium etc

Leisure facilities at premises: *

Swimming Pool
Jacuzzi or Hot Tub
Sauna or Steam Room
Massage/Therapy Rooms
Gymnasium
Tennis Court
Children's Play Area
Bouncy Castle or Inflatables

Tick all that are applicable

Do the premises have an ATM or any gaming machines? *

ATM or gaming machines on premises:

ATM Cash Machine
Pool Table
Fruit Machine
Air Hockey

Tick all that are applicable

Do the premises have a passenger lift?: *

Is the lift regularly inspected and maintained?:

Do you rent bedrooms to DSS, local authority, students or asylum seekers?: *

Please tick who you rent rooms to: *

DSS Referrals
Students
Local Authority Contracts
Asylum Seekers
Other

Tick all that are applicable

How many of your bedrooms are let on this basis, and how often rented out on this basis?: *

Do you cater for stag or hen parties? *

How often and what type of groups do you take? *

Do you organise any sporting or other special events either at or away from the premises?: *

E.g. Weddings, walking tours, craft making, clay pigeon shoots, etc

Specify type of entertainment provided, functions or events hosted, how often they occur: *

What percentage of your total turnover comes from these events?: *

Do you undertake any catering away from the property?: *

E.g. catering food for events, parties, weddings, food stalls, etc.

Please give us full information about the type of catering you provide, what type of events you do, and how often: *

e.g. local food stalls to promote B&B, 8 times a year, £1,000 turnover.

Do you run any other business from the premises?: *

e.g. online internet retail, babysitting, cake making, etc

Please provide full information of any other business activities at the premises: *

Are the premises partially or fully closed during any part of the year?: *

Due to being seasonal or for long holidays?

Is there an adult in accommodation during these closed periods?: *

Please state usual periods of closure: *

Are the premises located on a working farm?: *

Are you a member of any tourist board?: *

Which tourist board are you a member of?: *

Do you have a website for your B&B, guest house or hotel?:

Step 3. Has The Proposer, Any Director Or Partner:

Please answer the below questions about your business as honestly and accurately as possible. Failure to do so could see your policy cancelled or a claim being rejected.

Ever been declared bankrupt, insolvent, gone in to administration or liquidation, subject of an individual voluntary arrangement with creditors, in this or any other business or company?: *

Please provide full details, includes dates, circumstances, amounts involved, convictions or fines given, etc: *

Ever been prosecuted for or convicted of or involved in acts of fraud or dishonesty, arson or any criminal offence, other than a motoring offence?: *

Please provide full details, includes dates, circumstances, amounts involved, convictions or fines given, etc: *

Ever been the subject of a County Court Judgement - CCJ (or equivalent)?: *

Please provide full details, includes dates, circumstances, amounts involved, convictions or fines given, etc: *

Ever been disqualified from being a company director?: *

Please provide details, includes dates and full circumstances: *

Had any previous insurer decline a proposal, refused to renew a policy or imposed any special terms or conditions?: *

Please provide full details, including circumstances and terms imposed *

Made any type of claim on any property or business policy within the last 5 years?: *

E.g. storm damage, a theft, a fire, escape of water, a public or employers liability claim, etc

Please provide full details, including dates, circumstances, costs involved, if at the risk address, and what's been done to help avoid the same type of claim occurring? *

Step 4. Property Details

Please answer the below questions about your property as honestly and accurately as possible. Failure to do so could see your policy cancelled or a claim being rejected.

Is the property situated within 400 metres of a river, stream, watercourse, lake, canal, sea, cliff or quarry, or in a flood or subsidence risk area?: *

Please state how far away the property is, heights above, what type of above risk it's close to, and give details of any known flooding or subsidence issues within this distance to yours or neighbouring property:

What is the construction of the property - Walls?: *

E.g. stone, brick, timber framed with brick surround etc

What is the construction of the property - Roof?: *

E.g. slate, tiled, thatched, pitched zinc, asbestos sheeting, etc

What percentage of the roof is flat?: *

I.e. felt on timber, concrete, zinc, lead or similar

Year property was originally built?: *

If property has been renovated, its NOT this year we require, we require the year it was ORIGINALLY built

Is the property a listed building?: *

A listed property means you have certain restrictions on any work you do on the property. It can also increase the rebuilding cost of your property

Number of storeys?: *

I.e. ground floor being 1 storey, first floor would be a second storey etc

Is there a safe at the premises?: *

Does the property have a basement?: *

What are the floors constructed of?: *

Including the upstairs and other floors

Do you have solar panels fitted to the property?: *

Please confirm replacement value of the solar panels and where they are fitted: *

Is property heated by low pressure hot water apparatus, fixed gas appliances or fixed electrical appliances with NO portable heating?: *

Please give full details of any portable heating or alternative heating appliances in the property: *

Is the property fitted with an LPC approved fire alarm system?: *

Is the property occupied by the owner, manager or staff member overnight?: *

Confirm who resides at premises overnight *

Owner occupied
Occupied by a manager
Occupied by a staff member
Unoccupied overnight by any management

Tick all that are applicable

If unoccupied confirm how it's managed out of hours, how far owner/manager lives away from property, and what things are in place should a guests have an emergency: *

How far is the property from the nearest fire station?: *

Step 5. Cover You Require:

Sums insured must represent the full rebuild cost of buildings or full replacement values of those covers.

Do you own the property?: *

Is 'Buildings' cover required?: *

Buildings sum insured (including any outbuildings): *

This should represent the full rebuilding cost of the property should your home be completely destroyed beyond repair. This must include the cost of debris removal, architect/related fees, building materials and labour to rebuild.

Is 'Tenant Improvements' cover required?: *

If you lease the property and have made any improvements to the building itself, these improvements will not be insured on your landlords buildings insurance, they must be insured by you. Improvements could include, partitions, new kitchen units, lighting, air conditioning, floor and wall covering, fire protection and security systems.

Tenant Improvements sum insured: *

This should represent the cost to fully replace or repair all improvements made to the building by tenant.

Is Business Contents cover required?: *

This could include carpets, bedroom furniture, dining area furniture, kitchen equipment, etc

Business Contents sum insured: *

EXCLUDING stock, wines & spirits, private contents

Stock In Trade:

Stock could include breakfast food, toiletries, alcohol (excl wines & spirits), etc

Refrigerated Stock In Trade:

Frozen foods or refrigerated foods

Wines and Spirits:

Of the alcohol sold, how much is wines & spirits. Beers come under general stock.

Do You Require Business Legal Expenses Cover?: *

Usually optional for a fee, this covers legal assistance with employment disputes, tax protection, legal defense, contract disputes and similar

Is cover for your own 'Private Contents' required at the premises?: *

Generally for owner occupied B&B and guest houses, covering your own personal contents in own private quarters. Can include personal furniture, art, jewellery, antiques, etc

Private Contents sums insured: *

Should represent the full brand new replacement value of your personal contents.

Is cover required for 'Private Contents' whilst TAKEN AWAY or OUTSIDE of the property?: *

This covers jewellery, cameras, laptops, tablets, mobile phones, sports equipment, hearing aids, and any other portable items whilst taken outside the property for loss or damage.

State maximum total value of items TAKEN AWAY at any one time?: *

We will look to insure on an 'unspecified personal possessions' basis, or for higher valued items we may need to specify them accordingly.

If you have any portable items taken away from the home individually valued over £1,000, please list items here and their current replacement value?:

Examples include - £3,000 Rolex watch, 2,000 engagement ring, £1,200 Iphone, £3,000 set of hearing aids.

All our quotes will automatically include Public Liability cover for your guests. If you employ staff Employers Liability cover will also be included. Many policies we use include other important covers including Business Interruption, Goods In Transit, Business Money, Loss Of Licence, and more.

Step 6. Contact Details

Please add your contact details so we can come back with great quotes or if we need to obtain additional information and current insurance terms which help assist our quote.

Contact name: *

First

Last

Correspondence address (if different from risk address):

Email address: *

e.g. bookings@smithsguesthouse.com

Telephone number: *

Your Renewal or Start date: *

When you would like the policy to start from

Your current insurers

If applicable. If a new venture please write 'New Venture'

Your Renewal or Target premium:

It's handy if we have a renewal premium as insurers can tell quite quickly if they may be competitive or not

Where did you hear about our company: *

Any additional information:

If you would like to provide us with any additional 'material' information you feel could affect or help with the quotation please add it in the above box.

Finally - Marketing & Quotes

Yes, I'm happy for contact by EMAIL.
Yes, I'm happy for contact by PHONE.
Yes, I'm happy for contact by NEWSLETTER.
Yes, I'm happy for contact by SMS TEXT.

We're highly protective of your information, we never pass your details to anyone else. We may occasionally contact you with exciting products for guest house owners, update you with the latest B&B news or to maybe contact you another year for a quote on your business. If you're happy

Need assistance?

If you’re unsure with any questions or you’d prefer to speak to one of our advisors then please give us call on 01288 353999.

Opening Hours
Mon- Fri: 9am – 5pm.
Saturday: 9am – 12pm

Unsure on what we cover?

Want some help on guest house insurance lingo, things to look out for, what we cover or just tips click here:

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