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 innkeepers allow us to better manage the loss exposures that you face... which can lead to more competitive premiums. Allow us to help you to better mange your loss exposures so you can be more in control of your insurance budget.
Risk Management in Workers Compensation
In most states, it is mandatory to have workers compensation insurance to cover your employees in the event of an injury on the job. We work with leading carriers to offer dividend programs and discounts.
Umbrella Liability
Umbrella liability extends the liability limits of your underlying policies from $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
Massachusetts
South Carolina
North Carolina
Connecticut
Why is the Bed & Breakfast 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 (receipts required). We can offer replacement cost coverage with a fine arts floater.
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 lifeguard on duty.) Once you provide us with your questionnaire with all activities, we will review it a make a recommendation customized for you. 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?
Quite simply, commercial liability is the only way to protect your guests in the event of an accident, and the only way for the Bed & Breakfast to protect itself against your possible negligence. Homeowners policies carry an exclusionary clause against any “business” that you conduct in your home. Should any of your guests be injured while at your Bed & Breakfast, 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.
Proud member of the Association of Lodging Professionals
Keeping in touch with innkeepers and Bed & Breakfast professionals helps us stay connected with what matters to you.
Proud member of the Pennsylvania B&B Inns
PA has many diverse and historical regions. Visit a Bed & Breakfast inn to experience the beauty of Pennsylvania!