The ONE Bed & Breakfast Policy is designed for the owners of registered Bed & Breakfast establishments including the following:

  • Registered small to medium-sized B&Bs
  • Registered guesthouses with a maximum of fifteen (15) rooms
  • Managers and/or owners residing on the premises of such establishments
  • Self-catering establishments

Key Benefits

  • Entire facility cover, including buildings, contents, vehicles and liabilities
  • Accidental death cover for guests on the premises following an accident
  • Bilking
  • Power surge
  • Money
  • Geysers and water apparatus
  • Loss of rent or alternative accommodation
  • Contents of fridges and freezers
  • Household cover – full theft
  • Medical expenses for guests and domestic employees
  • External signs, blinds and canopies
  • Roadside and Home Assistance
  • Damage to landscaped gardens, water features and statues
  • Removal of bees
  • Food and drink extension
  • Accidental damage
  • Prevention of access
  • Theft cover for guest property
  • Loss of liquor license
  • Groceries
  • Cancellation of bookings
  • Alternative accommodation
  • Loss of specified tourist attraction
  • Security guards

Optional Extensions

  • Theft of underground cables
  • Retaining walls
  • Directors and Officer’s Liability
  • Spread of fire
  • Cyber cover


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