Bed & Breakfast – Guesthouse Insurance
The Multi-Peril Guesthouse policy is designed to offer a comprehensive package of covers for bed and breakfast and guesthouse businesses based in the Republic of Ireland. The scheme is designed to afford cover for business owners offering up to 12 rooms for guest accommodation and also extends to offer cover for the residential element, where the proposer resides at the premises.
Guesthouse & Contents Extensions
|Damage to underground services||€10,000|
|Accidental Breakage of glass||€10,000|
|Professional Fees included in sum insured|
|Alternative accommodation||15% of buildings|
|Replacement of locks||€2,000|
|Trace and access||€10,000|
|Fire brigade charges||€10,000|
|Loss of income (trading profit)||€25,000|
|Guesthouse & Contents Excesses: Claims in respect of Subsidence||€1,500|
|Claims in respect of water damage (arising from Storm or Flood or Escape of Water or Accidental Damage if applicable)||€500|
|All other claims||€250|
Guesthouse & Contents
- Fire, Subterranean Fire, Explosion, Lightning, Thunderbolt,
- Aircraft and other Aerial Devices
- Riot, Civil Commotion, Strikes, Labour Disturbances,
- Malicious Damage or Vandals
- Removal (or attempted removal) of Contents
- Storm or Tempest and Flood
- Breakage or Collapse of television and radio receiving
- aerials, aerial fittings and masts
- Escape of water
- Leakage of oil
- Impact by any road vehicle or animal
- Falling trees or parts thereof
- Subsidence, Landslip, or Heave
- Accidental Damage (Buildings Only)
|Damage to property occurring within Europe|
|Unspecified Items: Single Article Limit||€1,500|
|Specified Items: Single Article Limit||€1,500|
Public & Employers Liability
|Limit of Indemnity:||€6,500,000 any one occurrence|
|Guests Property:||€1500 per guest|
|Limit of Indemnity:||€13,000,000 any one occurrence|
This document is a summary of the cover offered by the Guesthouse policy. Some of the limits shown above are inner limits within a section of the policy, and exclusions and terms and conditions apply. This document does not form part of your insurance contract and is strictly for informational purposes only. For full details of cover, exclusions and terms and conditions please refer to your schedule and policy wording,
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