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.Quote Gif

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
Frozen food  €5,000
Title deeds  €1,000
Landscaped gardens  €10,000
Metered Water  €10,000
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

Specified Perils:

  • Fire, Subterranean Fire, Explosion, Lightning, Thunderbolt,
  • Earthquake
  • Smoke
  • 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)

All Risks

Damage to property occurring within Europe
Unspecified Items: Single Article Limit  €1,500
Specified Items: Single Article Limit  €1,500
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Public & Employers Liability

Public Liability
Limit of Indemnity:  €6,500,000 any one occurrence
Excess Applicable:  €500
Guests Property:  €1500 per guest
Employers Liability
Limit of Indemnity:  €13,000,000 any one occurrence
Excess Applicable:  Nil

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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