CBIZ INNKEEPERS INSURANCE BLOG

Summer is bringing a sense of relief and a boost of serotonin. As you gear up for your busy season or prepare for your off-season, take the time to review these maintenance recommendations to avoid unwelcome surprises.

Many people are distressed when they file an innkeeper insurance claim given that these claims typically follow a devastating event such as a property fire, disastrous weather or a guest injury. To help you file a claim with ease, we’ve compiled some useful information to make the best of this trying experience.

Seemingly minor issues—such as stray cords, dust buildup or leaky faucets—can spiral into significant problems if left unnoticed. By conducting an annual safety audit, you can help keep your property safe and secure, reducing the risk of guest injuries, lawsuits, property damage and costly insurance claims.

Fireworks are a staple of the Fourth of July and many other celebrations, but remember to take precautions to ensure your Inn is safe and accident-free. Even mild fireworks—such as sparklers—can get hot enough to burn through clothing or ignite surrounding greenery, causing major problems.

While most businesses serve alcohol without incident, the harsh reality is that lawsuits related to liquor liability are filed each day. All it takes is a single liquor liability claim to put your entire business at risk. To help your Inn navigate the risks associated with serving alcohol, we’ve put together a few steps you can take to mitigate the risk of facing a costly lawsuit or insurance claim.

Natural disasters can have severe impacts not only on your physical property, but they may also directly affect your business operations (including weeks without guests or rescheduling major events) and lengthy, costly repairs. It is an unfortunate fact that one in four businesses that shut down due to a natural disaster never reopen. 

As hurricane season approaches, it’s time to prepare your bed and breakfast business for the unexpected. With climate change and more active weather patterns, hurricane season can last longer or begin earlier. Use the following guidance to stay safe and limit potential damage in the event of a hurricane.

We are all familiar with the old saying “never judge a book by its cover”, however in the hospitality and travel industry, it couldn’t be more opposite. Not only can good photography help increase your bookings, but it can also help your claim if damage occurs.

Providing safety and protection for your inn and your guests is essential – having a second set of eyes on the property via surveillance devices can help fill that need. You can protect your property and guests while maintaining your distance. Here are a few security measures you can take to protect your bed and breakfast.

Selecting the right business structure for your Bed & Breakfast is important. As a small business, you may be trying to determine the right business framework for you — likely either a sole proprietorship or limited liability company (LLC). For many owners, minimizing risk is top of mind, and an LLC is a way to gain added protection in addition to innkeepers insurance.