Bed & Breakfast
Insurance

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.

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!

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!

Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.