Bed and Breakfasts

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

Benefits of the Program

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

Product Contact

Doug Killeen, Vice President

Douglas.Killeen@phly.com

For new business inquiries, please call 800.873.4552 or submit an application to Outdoorsubmissions@phly.com.

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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