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Credit Protection Insurance -- Just Another Consumer Rip-Off
Credit protection insurance is a good example of a consumer rip-off that affects millions of people, yet receives little attention in the financial media. Simply stated, you should NEVER buy "credit protection insurance," or a "payment protection...
Life insurance-features and objectives
The life insurance is conceived to protect people dependent on one from the financial losses that such people would incur in case of one’s death. The life insurance policy has become a fundamental part of sound financial owing to its association...
Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies. Term life insurance...
What Is Health Insurance?
Health insurance is simply protection of the person or group insured against financial loss from illness or injury. Can you live without it? Probably. Should you? The answer depends upon whom you ask.
Like other forms of insurance, you don't need...
Why Do You Need Homeowner’s Insurance?
The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner's insurance policy. Homeowner’s...
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Insurance for those who run Bed and Breakfast Properties
There are a number of insurance companies offering Bed and Breakfast insurance in UK. Each company offers their own tailor made insurance policy with a cover to suit your industry - Bed and Breakfast.
A Bed and Breakfast, often referred to as a B&B, is a private residence with several rooms of which are set aside for overnight guests whose paid accommodations include breakfast. Modern Bed and Breakfast often consciously tries to recall earlier days - they are generally established in charming older houses which have been refurbished and adorned with antique furniture.
Hence insuring one’s bed and breakfast property is a better idea to recover any loss caused accidentally. Also, if a guest is injured while staying in the bed and breakfast, and if the adequate liability cover is not in place, the owner has to face the loss. Another important reason to insure one’s property is incase one has to close its doors for a while, especially during peak season, due to any number of problems such as fire and storm or a violent or accidental event at the premises. Hence insuring your property at the right time and right insurer will help a prospective owner to compensate the loss.
Most of the bed and breakfast insurance policies cover one’s personal property, liability exposures, and optional coverage such as those incurred through business. Property coverage include special cause of loss, actual cash value or optional replacement cost, business income and extra expense, newly acquired or constructed property and business personal property.
The policy also covers bodily injury
and property damage, contractual coverage, personal injury, advertising injury and host liquor liability. Optional coverage includes crime, food spoilage, guest inconvenience coverage, employee benefits administration liability and ordinance and law coverage.
Generally most insurance policies cover all the bed and breakfast activities including the supply of food and drink. The coverage can be extended to weddings, garden parties, visits by day trippers to historical homes, in-house gymnasiums, fishing and bicycle use, limited horse riding activities and even legal liability cover on stolen credit cards.
Most insurance companies prefer to be informed about changing circumstances within a bed and breakfast property. The management companies should be aware of this responsibility – existing building policies may be affected if there is an increase in the number of bed rooms from that shown in the schedule, and the change not conveyed to the insurers in time for their consideration.
Hence before getting in to any insurance package, it is advisable that the prospective customer rationally selects the package that suits him the best by shopping around and comparing terms, conditions and premiums on a like for like basis.
About the Author
Protection Insurance is an internet based insurance business dedicated to getting consumers the very best insurance rates and the best products. Products include car insurance and home insurance
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