Bed & Breakfast Insurance Coverage Checklist
The coverages a bed & breakfast business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for bed & breakfasts and small inns. Priorities reflect typical exposure; confirm against meals, alcohol, and owner occupancy.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Property & GL Written for B&B Use | Covers the home and guest injuries — a homeowners policy typically excludes paying guests. | Core | |
| Business Income | Replaces lost room revenue after a covered loss. | Core | |
| Innkeepers Liability | Covers guest property in the inn's care. | Prevalent | |
| Products / Food Liability | Covers illness or allergic reactions from meals served. | Prevalent | |
| Liquor Liability | Needed if alcohol is served. | Situational | |
| Umbrella / Excess Liability | Adds limits for a serious fire or fall. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is insuring an inn on a homeowners policy. Homeowners forms usually exclude business use and paying guests, leaving the owner exposed for exactly the claims a B&B faces — falls on old stairs, fires in older homes, and food reactions. Owners should confirm the policy is written for B&B use, and keep interconnected alarms, posted escape routes, and allergen procedures in place.
Send us the checklist and we'll review your bed & breakfast coverage line by line, then market it across multiple carriers that compete for your account.
Related: Bed & Breakfast Insurance · Bed & Breakfast Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a bed & breakfast business need?
The core coverages for a bed & breakfast business are Commercial Property & GL Written for B&B Use, Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my bed & breakfast coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.