A commercial undertaking which is owner managed and offers accommodation of not more than 20 guest bedrooms, with breakfast and/or dinner made available to guests. The owner manager must live on the insured premises. No self catering facilities are available to guests unless it is in the owner manager’s personal kitchen.
An informal establishment which is owner managed from a private home and offers accommodation of not more than 20 guest bedrooms. The owner manager lives in the private home or in a private home on the same property. Breakfast is made available to guests. No self-catering facilities are available to guests unless such facilities are in the owner manager’s personal kitchen.
Property damage section incorporates insurance for:
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