Bed and Breakfast Insurance

Bed and Breakfast Insurance

Comprehensive coverage for bed and breakfast companies to protect them from the risks they encounter.

Zensurance - Bed and Breakfast Coverage

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B&B Host

Insurance for bed and breakfast

Bed and breakfasts (B&B) provide a tranquil getaway and respite from the day-to-day. Maintaining a B&B comes with several challenges and certain risks. Business insurance is an important step to take in securing the success of a bed and breakfast company. 

Zensurance can help you find the best policy to protect your B&B business.

Bed and breakfast insurance is a policy tailored to shield B&Bs from unforeseen risks. A B&B is valued by its guests because of its property and services. Whether that is expensive spa equipment, comfortable bedrooms, glamorous furniture, or high-quality barware, bed and breakfast companies need insurance to safeguard the longevity of their business.

Running a bed and breakfast comes with unique risks that insurance providers consider while developing an insurance policy. A business insurance package for a bed and breakfast will usually include the following:

  • Commercial General Liability (CGL) Insurance: CGL is integral to protecting your bed and breakfast business. Also known as “slip-and-fall” insurance, CGL will provide financial support for everyday mishaps, such as third-party bodily injury and property damage claims. That includes bodily injury to a guest or others, damage to your property or a guest’s property, or damage or injury from an intentional or unintentional act.
  • Commercial Property Insurance: Commercial property insurance is another important part of an insurance policy for B&Bs. It can provide coverage for physical loss or damage to your property, including theft, fire, flood, vandalism, and extreme weather events.
  • Equipment Breakdown Insurance: Equipment breakdown insurance is for B&Bs with equipment that operates at 15 psi or higher, in case of an accident and resulting property damage. This can include stovetops, pool filters, dishwashers, and other types of equipment that are useful in running a B&B.
  • Cyber Liability Insurance: As a bed and breakfast owner or manager, you most likely organize bookings and guest information online. Cyber liability insurance protects your B&B business if your online systems are breached or hacked.

The amount of coverage a bed and breakfast business requires depends on the nature of your business. Insurance providers take several factors into account when determining a price for your policy, which usually include:

  • The services you offer
  • Your businesses location
  • If your B&B serves beer and wine
  • Years of experience
  • Your insurance claims history
  • Your annual gross and projected revenue
  • The value of your assets and property

Every bed and breakfast is unique in its services and approach. No matter what your bed and breakfast company specializes in, business insurance is essential to all B&Bs, including:

  • Boutique B&Bs
  • Luxury B&Bs
  • Budget B&Bs 
  • Urban B&Bs
  • Rural B&Bs
  • Spa B&Bs
  • Themed B&Bs
  • Waterfront B&Bs
  • Romantic Getaway B&Bs

Getting insured is quick and easy!

Complete our 5-minute online application for a free bed and breakfast insurance quote.

Common claims scenarios

furniture in bed and breakfast

Problem: A piece of expensive furniture goes missing from one of your rooms.

Outcome: Your commercial property insurance may cover the cost of the furniture.

b&b guest taking a bath

Problem: A customer slips and falls in the ensuite bathroom of a bedroom in your B&B.

Outcome: Your commercial general liability insurance may cover the guest’s medical bills and your legal fees.

cyber hacker

Problem: Your online booking service is hacked, and one of your guest’s credit card information is compromised.

Outcome: Your cyber insurance may cover the cost to repair and safeguard your data systems, notify your guests, and cover associated costs and legal fees.

Frequently asked questions

Should I get bed and breakfast insurance if I operate it out of my house?

Yes. Even if you only rent one bedroom out to a guest every once in a while, you should protect yourself and your property with B&B insurance.

My bed and breakfast business is seasonal. Do I need insurance if my business is only open for a couple of months?

Yes. No matter how much time in the calendar year you operate a B&B business, you need insurance to protect your business and assets.

I run an Airbnb out of a property I own. Do I need an insurance policy?

Yes. Even if you use an online service like Airbnb, you should have a comprehensive coverage plan to protect yourself, your business, and your assets. While AirCover covers third-party bodily injury and property damage, it does not include professional liability insurance, cyber liability insurance, or commercial property insurance.

I’m considering buying a bed and breakfast. When do I need insurance?

As soon as possible. Protecting your property and information is important, even before your first guest has made a booking.

Why choose Zensurance?

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Ready to start? Let’s get a quote!

For many, running a bed and breakfast is a dream come true. You should have an insurance policy that protects your business and assets so you can focus on your guests’ experience.

Fill out an application for business insurance and get a free quote. Speak to one of our insurance experts to find the policy that suits you and your business needs.