B&B insurance, otherwise known as hospitality insurance, caters specifically for the hospitality industry. Typically B&B insurance policies will cater mainly for smaller hospitality enterprises. These are usually bed and breakfast and guesthouse establishments run from private homes to accommodate foreign tourists and business individuals who do not want or need hotel accommodation for their trip. These policies can cover a range of losses including fire, flood, theft, liability and a wide variety of other possible occurrences. Due to the fact that most guesthouses and B&B's are part of residential homes, the owners often do not have the luxury of a large cash flow in the event of loss or injury to a guest. B&B insurance policies can cover these homes in the same fashion as traditional short-term household insurance policies against damage and loss and liability due to guest claims, but often also include clauses to cover guesthouse owners for loss of income if an incident occurs and they need to close their doors while recovering the loss.