Axis can write many different risks within the hospitality industry and we also have a wording exclusively written for Bed and Breakfast properties.

The Axis risk appetite within the hospitality industry extends to most operators and property types such as:

  • bed & breakfasts
  • backpackers
  • boarding houses
  • cabin accommodation
  • guest houses
  • motels and hotels
  • night clubs and bars
  • reception and function centre

For a quick overview of our hospitality industry risk appetite please refer to the Axis Risk Appetite Matrix.


Axis has an insurance solution designed specifically for bed and breakfast accommodation.

Our Bed and Breakfast Insurance policy provides:

  • Accidental damage up to the building sum insured
  • New for old cover for buildings and contents
  • No co-insurance penalty for under insurance
  • Temporary removal of contents to anywhere in the world (some limitations apply)
  • Unspecified valuable cover $2,500 any one item and $7,500 or 20% of contents sum insured


  • Alternative accommodation
  • Loss of income – 10% of building sum insured
  • Electric motors – $5,000


  • Locks and keys – $500
  • Frozen food – $1,000
  • Credit cards – $2,500
  • Business tools and equipment – $2,500
  • Bed and Breakfast guest property – $5,000
  • Flood damage to general contents – $10,000



Personal Liability Extension

This is a summary only and does not form part of the Product Disclosure Statement or Policy Wording. Axis does not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statement and Policy Wording Axis Bed & Breakfast Policy – v8/10