Bed & Breakfast
Part of the charm of every Bed & Breakfast is that it's unique. No two are exactly the same and those that stay are usually anticipating (even expecting) a new experience that they can look back on. But the risks and the potential for unexpected loss are not unique among B&B's. Our HOME & HEARTH provides extra protection beyond your homeowners insurance to account for the most common losses experienced by B&B owners.
Owning a beautiful home and property is one thing, but the moment you decide to welcome guests into your humble space to generate income, new risks need to be considered. That’s why we designed the Hearth & Home B&B package. It combines the best in home insurance protection with additional protection you’ll need for your home-based B&B business.
In addition to comprehensive residential coverage, you will receive tailored coverage including:
ALL RISK CONTENTS COVERAGE
- Replacement cost on home & business property
- Accidental breakage of glass and signs
- Property of guests to a limit of $5,000
- Mechanical breakdown for computers and/or refrigeration equipment (optional)
- Electrical surges by power fluctuation
- Home business contents including cash & securities
LOSS OF INCOME COVERAGE
- Replaces business income lost as a result of insured damage to property (less expenses which do not continue)
PUBLIC LEGAL LIABILITY
- Office premises at home (slip and fall)
- Liquor liability (casual consumption)
Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility.