Bed and Breakfast Insurance
The moment you take paying guests, your home insurance quietly stops applying — running accommodation is a business, and a home policy isn't written for one. Bed and breakfast and short-stay cover fills that gap, protecting the property, your guests and the income, so a claim isn't refused for a technicality.
Quick Quote
60 secondsYour quote for
A business
The trade or industry — it points us to the right insurers.
The company, trust or individual name the policy goes in.
No obligation. Subject to eligibility and underwriting.
What bed and breakfast insurance covers
Guest liability
For a paying guest injured on the property — the exposure a home policy won't answer once money changes hands.
Building & contents as a business
Your building and the contents guests use, insured on a footing that recognises it's a short-stay business, not a private home.
Loss of income
The booking income you lose if a covered event makes the property unavailable.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Does my home insurance cover a B&B or short-stay rental?
What insurance do I need to host paying guests?
Do I need it for occasional Airbnb hosting?
Ready to get bed and breakfast covered?
Tell us what you drive in about 60 seconds and we come back to you with options.
Stonewell Insurance Pty Ltd (ABN 23 645 965 699) is a Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).