Bed & Breakfast Insurance Specialists

An Insurance Program Tailor-made For Your Bed & Breakfast

Neither a commercial package nor a homeowners policy alone is the ideal way to insure your Bed & Breakfast. The following comparison shows why.

Features Available	Homeowners	Commercial Package	B & B Program
Liability
Comprehensive Personal Liability	Yes	No	Yes
Business Liability for B&B Operations	No	Yes	Yes
Products Liability for Food Served	No	Maybe	Yes
Personal Injury (Libel, Slander, False Arrest Malicious Prosecution, Invasion of Privacy)	Maybe	Yes	Yes
Premises Medical for Business Guests	No	Yes	Yes
Premises Medical for Personal Guests	Yes	No	Yes
Liability Coverage Available for Guests use of Recreational Equipment such as Rowboats, Canoes, Sailboats, Horses, Bicycles, and Ski Equipment	No	Maybe	Yes
Liability Coverage for Complimentary Alcoholic Beverages Provided to Guests	No	Maybe	Yes
Liability Limit Options 300,000 500,000 1,000,000	Maybe	Yes	Yes
Property
Special Form Coverage-Building	Maybe	Maybe	Yes
Guaranteed Replacement Cost on Building Available	Maybe	Maybe	Yes
Named Peril Coverage (including Theft) on Contents	Maybe	Maybe	Yes
Replacement Cost Coverage on Contents Available	Maybe	Maybe	Yes
Contents & Liability for Non Owner Resident Host	No	Maybe	Yes
Appurtenant Structure Coverage- B&B Business Related	No	Maybe	Yes
Personal Property of Guests	No	Maybe	Yes
Antiques and Fine Arts Coverage Available	Yes	Yes	Yes
Additional Living Expense	Yes	No	Yes
Loss of Rental Income	No	Maybe	Yes
General
Specially Designed Program	No	No	Yes
Named Insured Can be Individual, Sole Proprietor, Partnership or Corporation	No	Yes	Yes
Major National Carrier	Maybe	Maybe	Yes
1 -800- Claims & Policy Service	Maybe	Maybe	Yes
Convenient Payment Plans	Maybe	Maybe	Yes
Optional Coverages Available Watercraft Liability Earthquake Back up of Sewers & Drains Personal Injury (Libel, Slander, False Arrest, Malicious Prosecution, Invasion of Privacy, etc.) Ordinance or Law (For Repair or Reconstruction Requirements) Increased Limits on: Money Trees & Shrubs Home Computers Increased Coverage for Theft on: Jewelry & Furs Silverware/Goldware Firearms Oriental Rugs Tools

The above general description of coverage is not part of an insurance policy and does not modify the express terms of any policy. Actual policy terms and conditions may vary. Customers should carefully review each policy and endorsement and, if not understood, seek competent legal advice.