RPS offers a unique product designed for those that use their property for the purpose of a Bed and Breakfast operation. The RPS team crafts package policies to cover both Property and Liability as well as any Personal Liability exposure for owner-occupied properties. There are no restrictions on protection classes and no age limit if the property has been updated within the last 35 years.

Bed & Breakfast Insurance Eligible Operations

  • Secondary properties
  • Vacation rental properties
  • Risks serving liquor
  • Non-owner occupied properties
  • Properties with inspected knob and tube wiring
  • Properties under renovation
  • Seasonal properties
  • Risks with prior claims activity
  • Risks with additional activities on the premises (i.e. fishing, boating, exercise facilities)
  • Risks offering wedding or reception areas

Bed & Breakfast Insurance Coverage Highlights

  • Full replacement cost on all structures for updated risks less than 50 years of age
  • Replacement cost on contents
  • Loss of business income
  • Restaurant liability
  • Scheduling for special items of personal property
  • Equipment breakdown
  • Host liquor liability
  • Fair rental value with no limitation on a per room basis
  • Property extension endorsement increased limits for:
    • Accounts receivable
    • Employee dishonesty
    • Monies & securities
    • Outdoor property
    • Personal property of others
    • Property in transit
    • Property off-premises
    • Spoilage
    • Valuable papers & records (other than electronic data)
  • Available credits for association, protection device, deductible, renewal

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