Insights and liability tips on how to protect your inn or bed & breakfast, giving you and your guests peace of mind.

Ward, Hayden
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The Snowball Effect of An Abominable Snowman at An Inn

Imagine booking a guest with manners and characteristics of a gigantic-furred yeti. It’s exactly what claims professionals fear most; the abominable snowman creature aimlessly wandering about with no clear objective and little consideration for the care of your inn. He has the best heart but is the worst of all guests. This snow monster damages your inn to such an extent that you may have to close it for repairs to happen. Here are just a few incidents that recently happened while the abominable snowman was snowed in at an inn.

Due to the high number of individuals entering and exiting the premises, liability exposures are significant. On this particularly snowy day, the abominable snowman, a lover of all things cold, had been frolicking outside and was coming back from his daily walk. He didn’t take a second to clean his furry feet when coming back inside, leaving a slippery trail all the way back to his room. Unfortunately, one of the other guests staying at the inn was heading downstairs to eat lunch and slipped on the slippery, wet steps. The guest was thankfully okay, but if he wasn’t, this inn was adequately protected with innkeepers’ insurance and would not have had to pay out of pocket for the injury. We’ve seen a lot of nasty slip-and-fall claims that have resulted in lawsuits.

Food liability is always a considerable concern. This abominable snowman story really takes the cake if you know what we mean. The abominable snowman exclusively eats Frosted Flakes for breakfast. The flakes weren’t frosted enough because of the short power outage that had happened from the snowstorm. The abominable snowman went ill from his breakfast. If you have a restaurant within your inn, spoilage coverage insures damage to perishable items caused by a change in temperature or humidity, resulting from power or equipment failure.

Regarding the power outage that happened while the abominable snowman was out on his walk, he was working on his aim and sent a snowball right into the power line. What he didn’t know at the time, was that this line affected the power at the inn he was staying at and left them without power for an extended amount of time. Fortunately, the owners of this inn have had power outages before and purchased additional off-premises power failure coverage. This endorsement provides coverage if you have a disruption of power due to a covered loss. It is also needed to receive loss of income reimbursement (provided you have loss of income coverage) for an off-premises power failure.

We’ve seen the snowball effect happen a few times at inns! No matter what safety precautions you have in place or how well you maintain your inn, a guest just like the abominable snowman could become injured or claim that your negligence caused damage at any time. Is your inn really prepared for an abominable snowman or yeti? Connect with a team member today at CBIZ Innkeeper Insurance to learn more.

This blog may contain scenarios that are provided as examples only. Coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.

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CBIZ Innkeepers Insurance, a division of CBIZ Insurance Services, Inc., is the largest insurer of innkeeper businesses in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we developed a specific policy coverage to meet the needs for inns and bed & breakfasts, and the amenities offered by these businesses. Our policy is underwritten by an A.M. Best Rated A++ (Superior) company.

The CBIZ Innkeepers Insurance team knows insurance, specifically the risks and exposures related to beds & breakfasts. We won't confuse you with technical "insurance speak" — our representatives will explain your coverage in simple terms. With hands-on, personal customer service, we guarantee swift communication. As specialists in the industry, we leverage our knowledge and passion to ensure you and your inn are protected.





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