Bed & Breakfast Insurance

RPS offers a unique product designed for those that use their property for the purpose of a Bed and Breakfast operation. The RPS team crafts package policies to cover both Property and Liability as well as any Personal Liability exposure for owner-occupied properties. There are no restrictions on protection classes and no age limit if the property has been updated within the last 35 years.

Bed & Breakfast Insurance Eligible Operations

• Secondary properties
• Vacation rental properties
• Risks serving liquor
• Non-owner occupied properties
• Properties with inspected knob and tube wiring
• Properties under renovation
• Seasonal properties
• Risks with prior claims activity
• Risks with additional activities on the premises (i.e. fishing, boating, exercise facilities)
• Risks offering wedding or reception areas

Bed & Breakfast Insurance Coverage Highlights

• Full replacement cost on all structures for updated risks less than 50 years of age
• Replacement cost on contents
• Loss of business income
• Restaurant liability
• Scheduling for special items of personal property
• Equipment breakdown
• Host liquor liability
• Fair rental value with no limitation on a per room basis
• Property extension endorsement increased limits for:
  • Accounts receivable
  • Employee dishonesty
  • Monies & securities
  • Outdoor property
  • Personal property of others
  • Property in transit
  • Property off-premises
  • Spoilage
  • Valuable papers & records (other than electronic data)
• Available credits for association, protection device, deductible, renewal