After guests check out, the owner discovers linen, kitchen appliances and outdoor furniture have been stolen or damaged, requiring urgent replacement to continue taking bookings.

Commercial Property Insurance may respond to loss or damage to insured contents and business property arising from theft or other insured events.

A burst pipe inside a holiday cabin floods the bedroom and living area, damaging floors, walls and furniture. The cabin becomes unusable for weeks while repairs are completed.

Commercial Property Insurance may respond to repair or replacement costs for insured buildings and contents damaged by an insured event. Business Interruption Insurance may also respond to income losses during the period of closure.

During room servicing, cleaning staff accidentally spill water onto a guest’s laptop left on the desk. The device is damaged and the guest seeks compensation from the B&B owner for repair or replacement.

Public Liability Insurance may respond to third party property damage claims arising from your business activities.

A guest slips on a wet bathroom floor inside their cabin after a shower and injures their back. They need medical treatment and later make a claim against the accommodation owner for pain, suffering and related expenses.

Public Liability Insurance may respond to third party injury claims arising from your business premises and operations.