B&B Insurance: Protect Your Property and Guests

If you own and operate a bed and breakfast, you already know how important it is to provide your guests with a comfortable and enjoyable experience. One key aspect of facilitating that experience is by having the right insurance coverage in place. B&B insurance can help protect your property and your guests, giving you peace of mind and financial security.

What is B&B Insurance?

B&B insurance is a type of coverage designed specifically for bed and breakfast owners. It typically includes a range of protection for the property and the guests who stay there. This can include liability coverage, property damage coverage, and business interruption coverage.

When you purchase B&B insurance, you can customize your coverage to meet your specific needs. Depending on the insurer and the policy you select, you may be able to add on additional protections such as liquor liability coverage, workers’ compensation coverage, and more.

Why Do B&B Owners Need Insurance?

There are several reasons why B&B owners need insurance. First and foremost, it can protect your property and assets in case of a lawsuit or other legal action. If a guest is injured on your property or if there is damage to your property, B&B insurance can help cover the costs of repairs and legal fees.

B&B insurance can also protect your guests. If a guest is injured while staying at your property, or if their personal belongings are damaged or stolen, B&B insurance can help cover the costs of medical bills and replacement items.

Additionally, having insurance in place can help protect your business from unexpected interruptions. If your property is damaged in a storm or other natural disaster, or if there is a fire or other catastrophic event, B&B insurance can help cover your lost income while you work to rebuild and get back on your feet.

What Does B&B Insurance Cover?

The exact coverage provided by a B&B insurance policy will vary depending on the insurer and the specific policy you select. However, some of the most common types of coverage include:

Coverage Type
Property Damage
Covers damage to your property, such as from fire, theft, or vandalism.
Covers legal fees and damages if a guest is injured on your property or if you are sued for other reasons.
Business Interruption
Covers lost income if your property is damaged and you are unable to operate your business.
Medical Expenses
Covers medical bills if a guest is injured while staying at your property.
Personal Property
Covers guests’ personal belongings in case of theft, damage, or loss.

How Much Does B&B Insurance Cost?

The cost of B&B insurance will depend on several factors, including the size of your property, the amount of coverage you need, and your location. On average, B&B insurance can cost anywhere from a few hundred to several thousand dollars per year.

It’s important to shop around and compare quotes from multiple insurers to find the best coverage and price for your needs. Be sure to ask your insurance agent about any discounts you may qualify for, such as bundling your B&B insurance with other policies or installing security features on your property.


What is the difference between B&B insurance and hotel insurance?

B&B insurance is designed specifically for bed and breakfast owners, while hotel insurance is designed for hotel owners. While there may be some overlap in coverage, B&B insurance typically includes protections for the unique risks associated with operating a small, personalized lodging establishment.

What is the process for filing a claim under B&B insurance?

If you need to file a claim under your B&B insurance policy, you should contact your insurer as soon as possible. Your insurer will provide you with instructions on what information and documentation you need to provide, and will guide you through the claims process.

What types of events are typically covered by B&B insurance?

B&B insurance can cover a wide range of events and situations, including damage from storms, fires, theft, and vandalism. It can also cover liability claims, such as if a guest is injured on your property or if you are sued for other reasons.

Do I need to have B&B insurance if I only rent out a few rooms in my home?

Yes, if you are operating a bed and breakfast, it is important to have insurance coverage in place to protect yourself, your property, and your guests. Even if you only have a few rooms that you rent out, you are still running a business and facing potential risks.

How can I lower my B&B insurance premiums?

There are several things you can do to lower your B&B insurance premiums, such as installing security features on your property, maintaining a good claims history, bundling your insurance policies, and choosing a higher deductible.


If you own and operate a bed and breakfast, having the right insurance coverage is essential for protecting your property and your guests. B&B insurance can provide you with the peace of mind and security you need to run your business with confidence.