What Are the Best Insurance Companies for Bed and Breakfast Service Providers

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There are a few key things to look for when searching for the best insurance companies for bed and breakfast service providers.

First, you'll want to ensure that the company offers coverage for your specific business type. Bed and breakfast businesses can be unique, so it's important to find an insurer that recognizes this. Second, you'll want to find a company with competitive rates.

Insurance for bed and breakfast businesses can be pricey, so it's important to get quotes from a few different companies before making a decision. Finally, you'll want to read reviews of the insurance companies you're considering. Look for companies with positive customer reviews and solid financial ratings.

We did all the groundwork for you and found 3 of the best insurance companies for bed and breakfast service providers. This way, you can compare quotes and coverage options and choose the policy that's right for your business.

Recommended Policy Types for Bed and Breakfast Service Providers

Type of Insurance	What It Covers
Property insurance	Protects your business in the event of damage to your property, such as your bed and breakfast building, furniture, or equipment.
Liability insurance	Covers your business in the event that a guest is injured on your property or if you're sued for damages.
Business interruption insurance	Helps cover your expenses if your bed and breakfast has to close temporarily due to a covered event, like a fire.
Employee dishonesty insurance	Protects your business against losses caused by dishonest employees.
Commercial auto insurance	Covers vehicles used for business purposes, like a van or car used to shuttle guests to and from the airport.
Innkeepers Liability	Specialized coverage for bed and breakfast businesses that covers property damage, personal injury, and more.
Loss of Business Income	Helps cover your expenses if you have to close your bed and breakfast temporarily due to a covered event.
Business Property Insurance	Protects your business property, like your bed and breakfast building, furniture, and equipment.

Best Insurance Companies for Bed and Breakfast Service Providers

Here are some of the top companies providing insurance to bed and breakfast service providers.

#1 Travelers

★★★★★ - Elemental Risk Rating

Travelers is one of the largest insurers in the United States and offers a variety of insurance products for businesses, including bed and breakfasts. They have an A+ rating from the Better Business Bureau and are known for their excellent customer service.

For bed and breakfast service providers, policies include property, liability, business interruption, employee dishonesty, and commercial auto insurance.

The company also offers bed and breakfast service providers the chance to customize their policy with additional coverage options, like loss of business income insurance and business property insurance. A comprehensive policy from Travelers can give you peace of mind knowing your business is well-protected.

#2 Markel

★★★★ - Elemental Risk Rating

Markel Insurance offers comprehensive bed and breakfast insurance policies that provide protection for businesses in the event of property damage, personal injury, liability claims, and more. These policies include coverage for business interruption, loss of business income, and employee dishonesty.

Bed and breakfast service providers can also add commercial auto insurance to their policy if they use vehicles for business purposes. Markel is known for their excellent customer service and fair claims process.

Markel has an A+ rating from the Better Business Bureau and is known for their competitive rates and excellent customer service. The company also offers a variety of discounts to bed and breakfast service providers, including a discount for having a fire sprinkler system installed.

#3 The Hartford

★★★★ - Elemental Risk Rating

The Hartford is a well-known insurance company that offers a variety of insurance products, including business insurance. The company's business insurance policies can be customized to meet the needs of bed and breakfast service providers.

The Hartford's business insurance policy for bed and breakfast service providers includes property damage, liability, and business interruption coverage. The policy also provides protection for guests in the event of theft, accidents, or injuries.

Since The Hartford is one of the largest insurers in the United States, you can rest assured that they have the financial stability to pay out claims. The company also has an excellent customer service reputation.

Have Questions? Compare Multiple Insurance Companies

If you have questions about bed and breakfast insurance or would like to compare quotes from multiple insurers, we can help. Our team of insurance experts will work with you to find the best policy for your business. We can also help you find discounts and save on your premium.

Give us a call today or request a free quote online to get started. We look forward to helping you protect your business.