Running a B&B, motel, or hotel presents its own set of challenges and our Hospitality Insurance is designed to reflect that. Storms and fires can have a catastrophic effect, particularly during the high season, so it's reassuring to know you're covered against the worst that can happen.

Some of the typical coverages that our policies offer:

 

 

Property, Inland Marine, and Crime Coverages	Limit of Insurance
Accounts Receivable - On Premises/Off Premises	$25,000* / $5,000
Alternative Key Systems - Reprogramming Costs	$50,000*
Back up of Sewer or Drains	$25,000
Business Income & Extra Expense (BI&EE	Actual Loss Sustained
BI & EE - 72-Hour Waiting Period Buyback	Included
BI - Tips included	Included
Building - Automatic Increase Amount	4%
Building - Newly Acquired or Constructed Property	$500,000
Building - Tenant Obligation	$10,000
Building Ordinance or Law - A	Included with building
Building Ordinance or Law - B & C Combined	$50,000*
Business Personal Property - Newly Acquired Or Constructed Property	$500,000
Business Personal Property Seasonal Increase	25%
Claims Expense	$5,000
Computer Fraud And Funds Transfer Fraud	$10,000*
Crime Conviction Reward	$10,000
Debris Removal	25% of loss+$10K
Electronic Data Processing & Media (EDP) - Blanket	$10,000* / $2,500
Employee Dishonesty	$10,000*
Extended Business Income	60 days
Exterior Building Glass	Included with bldg
Fine Arts - Blanket	$10,000* / $2,500
Fire Department Service Charge	$10,000
Fire Extinguisher Systems Recharge	$5,000
Forgery or Alteration	$5,000
Guests' Evacuation Expense	$10,000
Guests' Inconvenience Cost Reimbursement	$25,000 / $500
Guests' Property	$10,000
Leasehold Interest	$10,000*
Lock Replacement Coverage	$5,000* / $5,000*
Lost Lease - Lessor's  Interest	$5,000*
Money and Securities-Inside & Outside the Premise	$10,000*/ $2,500*
Money Orders and Counterfeit Paper Currency	$2,500
Ordinance or Law - Equipment	$10,000*
Outdoor Property - Antennas and Satellite Dishes	$10,000*
Outdoor Property - Trees, Plants, Shrubs and Lawns	$10,000*
Outdoor Property - Fences and Walls	$10,000* / $1,000
Outdoor Signs	$5,000*
Personal Effects	$2,500
Personal Property Off Premises	$10,000*
Pollutant Clean Up and Removal	$10,000
Premises Boundary	1,000 feet
Preservation of Property	30 days
Protection Response Service Expense	$10,000
Tenants Move Back Coverage	$5,000*
Unauthorized Business Card Use - Aggregate / Occurrence	$5,000 / $1,000
Utility Services - Direct Damage (Building)	$10,000*
Utility Services - Direct Damage (BPP)	$10,000*
Utility Services - Time Element	$5,000*
Valuable Papers - On Premises/Off Premises	$25,000* / $5,000
* Higher Limits Available
** Other Limits Available
Business Liability Coverages	Limit of Insurance
General Aggregate Limit	As selected
Products and Completed Operations Aggregate Limit	As selected
Personal & Advertising Injury	Selected Occurrence limit
Each Occurrence Limit	As selected
Tenants Legal Liability	Selected Occ' limit
Medical Expenses- Any one person	As selected
Newly Acquired or Formed Organizations – 90 days	As selected
Unintentional Errors and Omissions	Included with liability
Pollution Exclusion – Hostile Fire Exception	Included with liability
Services Errors and Omissions	$5,000
Delivery Errors and Omissions	$5,000