Bed & Breakfast Insurance Program

Whether you run a cozy Bed & Breakfast on the Jersey shore, or a Country Inn in upstate NY, we offer an insurance program tailored specifically to fit your needs.  As an Innkeeper, your business operates 24 hours a day, both in season or out of season. We are accessible to you on your schedule, whenever you need us.  All of our Innkeeper clients have 24-hour access to us- 7 days a week, 365 days a year. Our special claims hotline gets you the timely help you need in the event of a claim.

Convenient Policies

One-stop shopping for all of your insurance needs: Business Property, General Liability, Crime, Inland Marine, Personal Contents and Liability are bundled into one convenient policy.

Flexible Payment Plans

Payment plans are flexible to fit your budget. Installments of annual, quarterly or monthly are available.

Risk Management & Workers Comp

Specialized risk management services for inn-keepers allows us to better control the exposures to loss that you face and better control premiums.

Workers Compensation

In most states, it is mandatory to have workers compensation insurance to cover your employees in the event or injury on the job. We worked with leading carriers to dividend program and discounts for qualified inns.

Umbrella Liability

Umbrella liability extends the liability limits of your underlying policies to $1,000,000 up to $10,000,000. High liability limits are necessary to protect your assets in the event of a liability claim to you personally as well as to your business. Bed & Breakfast Program policyholders enjoy a discounted rate on this important coverage.

New Jersey

New York

Maryland

Pennsylvania

Delaware

Virginia

Florida

Frequently Asked Questions

Why is the B&B Program Unique?

Our Bed & Breakfast program is unique because it was designed for the specific needs of innkeepers. It combines business insurance with your personal insurance coverage, eliminating the need for two separate policies. Because every inn is unique, our program can be further customized to fit your operations.

Is my Antique Furniture covered in the event of a loss?

The policy would cover antiques at acquisition cost (receipts for antiques showing purchase cost required). If you would like additional coverage we have a Fine Arts Floater available. We would need a professional appraisal verifying the replacement cost.

If we loan our Bicycles to guests, are we liable if they are injured?

We automatically include bicycles owned by your bed & breakfast, tennis courts, and swimming pools (locked fences, marked depths, no diving boards or slides, and signs that say no life guard on duty.) Once you list all activities on your questionnaire, we will review it and analyze on a case-by-case basis. For example, if you offer horseback riding, we have additional coverages available so that you are properly protected.

Why am I required to carry Commercial Liability Insurance?

We realize that many of our member inns are very small properties with only two or three rented rooms in what may have formerly been their home. With the limited income potential, commercial insurance may seem like an unnecessary burden on an already stretched too thin budget.
Quite simply, commercial liability is the only way to protect your guests in the event of an accident, and the only for Bed & Breakfast to protect itself against your possible negligence. Home-owners policies carry an exclusionary clause against any “business” that you conduct in your home. Should a guest be injured while at your B&B, the liability insurance associated with your homeowners insurance will not cover them. Even any additional “umbrella policy” that you may carry for additional liability coverage will not cover a business. Should your B&B be protected by a corporate structure, the guest may not even be able to sue or be reimbursed by you personally.

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