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Bed & Breakfast Insurance - Let us find your best coverage - coverage built for bed and breakfast inns

A bed and breakfast is usually an older home used as a business, and carriers look at room count, owner occupancy, breakfast cooking and fire safety. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Bed & Breakfast Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Number of guest rooms
  • Owner-occupied or not
  • Building age and updates
  • Annual room revenue

Related coverage

Coverage details

What Bed & Breakfast coverage includes

A bed and breakfast is usually an older home used as a business, and carriers look at room count, owner occupancy, breakfast cooking and fire safety.

  • Property - Inn building, furnishings and antiques.
  • General liability - Guest injuries on stairs, porches and grounds.
  • Guest property - Belongings lost or stolen from guest rooms.
  • Business income - Lost bookings after a covered loss.
  • Food liability - Claims from meals you serve guests.

Good to know: a homeowners policy usually does not cover paying guests, so most B&Bs need a commercial or special B&B package.

Not covered: short-term rentals booked as whole-home rentals, and weddings or large events unless disclosed.

Insurance Application:

Bed & Breakfast

Required forms

Bed & Breakfast Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

A grand hotel lobby filled with sunlight
Contact details

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