| A Bed and Breakfast, often referred to as a B&B, | | | | property. |
| is a private residence with several rooms of which are | | | | The policies available could also cover bodily injury and |
| set aside for overnight guests whose paid | | | | property damage, contractual coverage, personal |
| accommodations include breakfast. Modern Bed and | | | | injury, advertising injury and host liquor liability. Optional |
| Breakfast often consciously tries to recall earlier days | | | | coverage includes crime, food spoilage, guest |
| - they are generally established in charming older | | | | inconvenience coverage, employee benefits |
| houses which have been refurbished and adorned with | | | | administration liability and ordinance and law coverage. |
| antique furniture. | | | | Generally most insurance policies cover all the bed and |
| Hence insuring one's bed and breakfast property is a | | | | breakfast activities including the supply of food and |
| better idea to recover any loss caused accidentally. | | | | drink. The coverage can be extended to weddings, |
| Also, if a guest is injured while staying in the bed and | | | | garden parties, visits by day trippers to historical |
| breakfast, and if the adequate liability cover is not in | | | | homes, in-house gymnasiums, fishing and bicycle use, |
| place, the owner has to face the loss. Another | | | | limited horse riding activities and even legal liability cover |
| important reason to insure one's property is incase one | | | | on stolen credit cards. |
| has to close its doors for a while, especially during | | | | Most insurance companies prefer to be informed |
| peak season, due to any number of problems such as | | | | about changing circumstances within a bed and |
| fire and storm or a violent or accidental event at the | | | | breakfast property. The management companies |
| premises. Hence insuring your property at the right time | | | | should be aware of this responsibility - existing building |
| and right insurer will help a prospective owner to | | | | policies may be affected if there is an increase in the |
| compensate the loss. | | | | number of bed rooms from that shown in the |
| Most of the bed and breakfast insurance policies | | | | schedule, and the change not conveyed to the insurers |
| cover one's personal property, liability exposures, and | | | | in time for their consideration. |
| optional coverage such as those incurred through | | | | Hence before getting in to any insurance package, it is |
| business. Property coverage include special cause of | | | | advisable that the prospective customer rationally |
| loss, actual cash value or optional replacement cost, | | | | selects the package that suits him the best by |
| business income and extra expense, newly acquired | | | | shopping around and comparing terms, conditions and |
| or constructed property and business personal | | | | premiums on a like for like basis. |