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Bed & Breakfasts

10 Reasons Why™

  1. One stop shopping for all your insurance needs. Property, Inland Marine, Crime, Liquor Liability, and General Liability coverage bundled into one convenient policy
  2. Property capacity for high values of frame structures in unprotected areas
  3. Blanket limits and Agreed Amount coverage for property available
  4. Expertise in understanding unique exposures such as hunting, fishing, boating, horseback riding, spa services, golfing, and world class dining
  5. Medical payments included at $5,000
  6. Coverage for insured's household personal property available
  7. Personal Liability endorsement available for resident owners
  8. Ability to provide coverage for most services and activities
  9. Specialized Risk Management Services
  10. Interest-free installments available for accounts that generate at least $2,000 in premium

Bed & Breakfasts 10 Reasons Why

Benefits of the Program

Whether you run a cozy bed & breakfast in New Hampshire, or a country inn in Santa Barbara, we can offer you the best insurance coverage to fit your needs.

This insurance program focuses on facilities located in resort and destination locations, such as ski towns and national and state park communities. Target risks provide guest lodging for an average of 2-3 nights, and in addition to providing breakfast might offer restaurant and bar facilities or recreational activities to their patrons. Frame, unprotected property is expected.

The Great Outdoors Insurance Program (GOIP) is designed to offer a simple solution for all of your customer's insurance needs. Coverage available includes:

  • Property: Replacement Cost, Special Form, Blanket, Agreed Amount, Household Personal Property, GOIP Plus Extension, Business Income & Extra Expense
  • General Liability, including Personal Liability
  • Liquor Liability
  • Crime
  • Automobile (Commercial/Service vehicles only)
  • Excess Limits of Liability

Supplemental Applications

Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed and signed/dated Bed & Breakfasts Application
  • Completed ACORD applications
  • Brochures and website address
  • Currently valued insurance company loss runs for the current policy period plus 3 prior years, or a "No Loss" letter signed and dated by the insured for accounts below $3,500 in annual premium


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