Bed & Breakfast

Save up to 30% on your business insurance

Sweet Dreams with Bed & Breakfast Insurance!

Bed & Breakfast owners can rest assured knowing that Coverage Cowboy has the perfect coverage for their business. We have the ability to provide a tailored solution for their unique business needs.

Whether it’s protecting your property from theft or protecting your staff from liability, we have the coverage you need to sleep soundly at night knowing your business is protected.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Bed & Breakfast businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is essential for bed & breakfasts to provide financial protection from liability claims. It provides coverage for accidents that result in injury or property damage to third parties, such as guests who slip and fall on the property or items that are stolen from the property. It also provides coverage for any related legal defense costs.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must for bed & breakfasts that offer transportation services. It covers accidents involving guests being driven to and from the property, as well as any liability or property damage caused by a vehicle owned or leased by the business. This coverage can help protect the business from financial losses if an accident occurs.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is a must for Bed & Breakfast employers. It protects them from financial losses if an employee is injured on the job and helps cover medical expenses and lost wages. It also shields employers from potential lawsuits resulting from workplace accidents.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is an important coverage for Bed & Breakfasts as it can protect against physical damage to the building, furniture, and other property. It also provides financial protection if the business has to close due to a covered event, such as a fire, and can help cover the cost of repairs or rebuilding. This type of insurance can give peace of mind to B&B owners so they can focus on providing excellent service to their customers.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Bed & Breakfast business insurance

How does business insurance protect me?
As a bed and breakfast owner, you face unique risks that require specific insurance coverage to protect your business. Here are some examples of how business insurance can protect your bed and breakfast:
General Liability Insurance
If a guest slips and falls on your property, general liability insurance can help pay for their medical expenses and legal costs if they sue you for negligence.
Property Insurance
If your bed and breakfast is damaged by a fire or a natural disaster, property insurance can help cover the cost of repairs or rebuilding.
Business Interruption Insurance
If your bed and breakfast is forced to close temporarily due to damage or repairs, business interruption insurance can help cover your lost income and ongoing expenses, such as rent and utilities.
Workers’ Compensation Insurance
If you have employees, workers’ compensation insurance can help cover their medical expenses and lost wages if they are injured on the job.
Liquor Liability Insurance
If you serve alcohol to your guests and one of them gets into an accident or causes damage while under the influence, liquor liability insurance can help protect you from lawsuits.
Cyber Liability Insurance
If your bed and breakfast stores sensitive guest information, such as credit card numbers, cyber liability insurance can help cover the costs associated with a data breach, such as notifying affected guests and providing credit monitoring services.
What do I need to get an insurance quote?

Obtaining a bed & breakfast insurance quote is a piece of cake! To begin, collect the following information about your B&B:

  1. Business name and contact information
  2. Location and square footage of your bed & breakfast
  3. Number of guest rooms and maximum occupancy
  4. Estimated annual revenue and payroll
  5. Number of employees
  6. List of your key assets (e.g., building, furniture, appliances)
  7. Additional services offered, if any (e.g., event hosting, catering, guided tours)

With this information ready, you’re all set to request a personalized insurance quote for your bed & breakfast. Our team is here to help you find the best coverage at the right price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.