Bed and Breakfast and Inn Keepers Insurance

We offer a variety of insurance products to this unique often home based business. When purchasing insurance for this business consideration needs to be given the personal needs of the insured, such as their comprehensive personal liability and personal property. Special attention to issues on the commercial side also need to be addressed such as the commercial general liability, business personal property and a variety of other exposures to losses unique to your business.

DRickard insurance approaches your Bed and Breakfast insurance needs with many insurers products. This means that we look at your enterprise as a home based business or a commercial business with a home in it. You choose what ever you think is best.

The types of coverage that may be available and concerns depending on the specific situation of your Bed and Breakfast may include*:

• Property Coverage
• Up to Special Form Replacement Cost Coverage on your home and related private structures
• Replacement Cost coverage for your personal and business use contents
• Antiques and Fine Art Coverage for those special items that you have special values for
• Agreed Value Coverage for items that you want to be certain of what amount they are insured for
• Special causes of loss on Personal and Business Personal Property
• Ordinance of Law
• Mechanical Breakdown
• Coverage for the non-owned personal property you may become responsible for
• Personal Property of Guests
• Loss of Use Coverage
• Additional Living Expenses
• Loss of Use and Rents
• Additional Business Expenses
• Flood Insurance
• Liability Coverage
• Comprehensive Personal Liability
• Commercial or Business General Liability
• Premises and Location Specific Liability
• Special Events Liability
• Completed Products and Operations for the food served
• Advertising and Personal Injury Liability
• Medical Expense Benefit for guests
• Liquor Liability
• Busies Auto Insurance
• Payment plans are available on a case by case basis

For a careful consideration of your insurance needs please contact us at 607-843-8860 or insurance@drickardinsurance.com.

*Please note that not all types of coverage will be available to every insured on every policy. In some cases it may take multiple policies and insurers to create your desired insurance package. Each individual policy must be referred to for specifics of coverage provided.