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What You Need to Know About Bed & Breakfast Insurance

Bed and breakfast businesses offer rest and relaxation for guests in intimate surroundings that make them feel right at home. With a range of custom guest services, luxurious amenities, and recreational activities, B&B’s require an insurance program customized to meet their unique requirements.

A bed and breakfast business requires a commercial business insurance policy that meets specific needs. The policy should cover the business side of things, including liability, property damage, loss of income, and even weather-related issues.

Some of the coverages available under our reliable bed and breakfast insurance program includes:

  • Commercial Property Insurance — Covers the cost of repairing or replacing your business-related property, including the building, furnishings, business equipment, and supplies, in the event of natural disaster, fire, or theft.
  • Innkeepers Liability — Coverage for the safekeeping of your guests’ personal property.
  • General Liability — Protection against losses such as bodily injury, property damage, and personal injury.
  • Loss of Business Income and Related Expenses — Provides coverage when a covered property loss forces you to put your bed and breakfast business on hold while expenses continue to accumulate.

Rely on Spotts Insurance Group

At Spotts Insurance Group, insurance is in our name and it is our focus to protect our clients. As one of the nation’s largest recreation insurance agencies, we can customize a coverage suited specifically for your needs, whether you live on or off premises, and specifically tailored to the types of activities and amenities you offer.

Spotts Insurance Group was created in the early 1970’s to specifically address the insurance needs of the recreation and hospitality industries. Today our unique group of clients have a host of selections available to help them feel protected. We have choices from admitted, "A" rated carriers down to the surplus lines carriers that are willing to cover your unique bed and breakfast insurance needs.

Simple. Flexible. Affordable. Request a quote today.