Bed & Breakfast

Designed for risks that are occupied, take pride in ownership, value their property and use their property for the purpose of a Bed and Breakfast operation.

Product Highlights

  • Package policies to cover both Property & Liability
  • No Protection Class Restrictions
  • "A" rated E&S carrier (Lloyd's of London)
  • Available in all states except: FL, GU, IL, KY, WV
  • Personal Liability & GL limits up to $1,000,000
  • Loss of Business Income
  • Host Liquor
  • Restaurant Liability
  • Personal Injury Protection
  • Equipment Breakdown
  • Additional Living Expenses on Owner Occupied Risks
  • Scheduled Personal Property 

Submission Requirements

Risks that are 50 years or newer and have been updated are written on a Replacement Cost form. Risks over 50 years old or that have not been updated are written on a Functional Replacement Cost form.  Click here for helpful sumission hints.

  • Bed & Breakfast Application
  • Replacement Cost Estimator
  • Protection Class 9/10 Questionnaire
  • Supplemental Heating Questionnaire (if applicable)
  • Supplemental Pool/Hot Tub Questionnaire (if applicable)
  • Proof of prior coverage for Transfer Credit (to bind)
  • Surplus Lines Form (if applicable to bind)

Value Added Services

  • Quotes out by 4:30 p.m. for all applications received by 2 p.m. and under 2,000,000 TIV
  • Live servicing
  • Exceptional in-house claims service