We understand your industry needs

An expert and personal service with a policy bespoke to you

We understand your industry needs

An expert and personal service with a policy bespoke to you

We understand your industry needs

An expert and personal service with a policy bespoke to you

We understand your industry needs

An expert and personal service with a policy bespoke to you

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Guesthouse and B&B Insurance

In the event of fire damage or a similar catastrophe as the owner of a guest house or a bed and breakfast establishment you could lose not only your home but also your livelihood. With rooms unavailable there would be nowhere to accommodate guests and without guests there would be no income. If you found yourself in this situation you would want to be confident that the insurance you had arranged would provide adequate protection for both the material damage and any consequential loss. You would also want a prompt and efficient claims service to respond to your immediate and longer term needs.

Cover Available
Insurance can be arranged for:

  • Buildings
  • Trade Contents
  • Household Goods and Personal Effects
  • Business Interruption
  • Money
  • Glass
  • Public Liability
  • Employer’s Liability
  • Failure of Public Utilities
  • Frozen Food
  • Loss of Keys
  • Loss of Licence
  • Goods in Transit
  • Legal Expenses

Full details of your cover will be provided in your policy document or policy summary, both of which are available upon request. The basis of cover is Fire and Specified Perils, with the option of including Accidental Damage. There may be some variations according to the nature of the risk proposed but generally, the Special Perils will include lightning; explosion; earthquake; aircraft; riot & civil commotion; storm & flood; escape of water, oil and bulk beverages; malicious damage ; impact; falling trees, lamp-posts or telegraph poles; and theft. Subsidence cover may also be available.

Notes for Guidance

The sum insured should represent the FULL COST OF REINSTATEMENT, plus debris removal and professional fees. You are recommended to take professional advice in this regard.

Trade Contents
The sum insured should be sufficient to replace all the contents AS NEW. An inventory can be very useful in this respect but remember that an inventory produced for the purpose of buying or selling the business shows a market valuation, not the replacement cost.

Business Interruption
When considering the indemnity period you should reflect on how long it might take to return to normal trading after a major loss. If you choose a period of more than 12 months, don’t forget to increase the sum insured accordingly.

For a free ‘no obligation’ quotation please complete our enquiry form or alternatively email us and a member of our team will respond directly.

Our promise to you

By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:

  1. A dedicated point of contact (with an average over 12 years of experience) to manage your insurances
  2. A named point of contact in the office to handle your day-to-day enquiries
  3. The team handling your insurances will be experienced, friendly, helpful and knowledgeable
  4. You have access to a wide range of insurances and our relationships with major insurers and underwriters will ensure the ‘right’ insurance for you
  5. We will review your insurances annually to ensure that they continue to meet your requirements
  6. You will enjoy the benefit of working with a customer focused team who will listen to you, and work with you to provide bespoke solutions for your insurance needs
  7. You have the security of dealing with a company authorised and regulated by the Financial Conduct Authority.



At H&H Insurance Brokers we are very proud of our personal service. As our client, you will be given the name of your personal account handler, who will deal with any policy queries or amendments you might have. In addition to this, we offer visits from our account executives who will go through your policy in depth to ensure you have sufficient cover at the best cost.
H&H Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over a nominated period to suit you.
Close Brothers Premium Finance will make a charge for arranging instalment facilities so you can pay by Direct Debit. The amount of the charge will depend on total premiums and chosen payment period but we will confirm this to you when arranging your insurance.
To claim you can either contact our head office on 01228 406290 or visit our claims section on this website which contains some helpful information.
We act as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. We use our in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Unlike tied agents, we are independent and offer products from more than one insurer, to ensure that you get the best deal.  Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.
More questions? Speak to a specialist 01228 406 290

Contact us

Get in touch us to discuss your needs with one of our specialist brokers.

01228 406 290

Why choose H&H?

  • Real experts who take time to understand your business
  • To save you time and better understand your needs, we’ll come to you
  • We will get the right cover for you at a competitive price
  • Provide both standard and niche insurance covers

Independent Business Insurance reviews from FeeFo

Discuss your insurance needs with an expert 01228 406 290

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