Although a domestic policy will cover the basics, it will not necessarily take into account the liabilities that a specialist Bed & Breakfast Insurance policy would, such as:

• Full accidental damage covers you for damage caused by you and your family and any damage caused by paying guests
• Public liability cover to include your paying guests
• Full theft cover for if a guest stole from you
• Cover for guests personal belongings
• Cover for loss of income in the event of a fire, storm or flood

If you haven't got all of this cover in place you could be leaving yourself vulnerable in the event of a claim. There is a wide range of optional extras available, allowing you to tailor each policy to meet your needs.