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.

Consider including loss of use and loss of rents to help with income loss and the need for the bed and breakfast owner needing to live elsewhere during a rebuild due to a covered cause of loss.

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.

5 Reasons why you choose DRickard Insurance:

Options - With many insurance companies to choose from and all that they are willing to offer you have options to choose from.
Savings - When companies compete for your business you win. Give our companies a price to beat and see how they do.
Experience - For years we have been arrange insurance for hospitality businesses. Experience the difference.
Speed - Most insurance inquiries bring results in one business day.
Respectful - You and your time are valued.

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.