CBIZ INNKEEPERS INSURANCE BLOG

Preparing a delicious meal is seen as an act of love or a gift It’s an art form that many bed and breakfasts are known for. However, the other side of cooking — food preparation and safety, can be easily forgotten. Reduce the chances of your guests getting sick from food preparation.

No matter what safety precautions you have in place or how well you maintain your inn, a guest or an employee could become injured or claim that your negligence caused damage to their property at any time. If you are named as the responsible party in such a suit, you need to defend yourself against the charges.

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. 

Bed & Breakfasts are known for being a wonderful venue for all types of events. Though hosting can be a source of extra income and fun for everyone, it does come with unique risks. Accidents can happen at any time, especially if alcohol and food are thrown into the mix. 

Bed & Breakfast owners have to wear many different hats. For complete protection, there are a number of additional coverage options which should be considered in a commercial policy. These options typically cover losses that would otherwise be excluded. 

Identifying the correct insurance policy to cover your Bed & Breakfast can be an overwhelming, stressful task. Key insurance terms may leave you confused and feeling unsure of your coverage. Here are the different commercial insurance policies and their purposes. Let this guide help you with the terms to select the proper coverage protecting you and your Bed & Breakfast business. 

One of the most common questions we get from customers who want to own a Bed & Breakfast is a very understandable one: “I have homeowners insurance, so do I need innkeeper insurance?” In this article, we're talking all things homeowners insurance and why it may not be the best protection plan for your Bed & Breakfast in the event something goes wrong during a guest's stay. 

Phishing attacks are constantly evolving in order to capitalize on our information. Recently, we’ve seen an uptick of scammers sending phishing emails – even Zoom meetings - about the COVID-19 vaccine. As hackers get better and better at their game, it’s important to know how to spot a suspicious email to help your Bed & Breakfast business avoid a cyber breach.

Owning and operating a Bed & Breakfast, a lodge, or other accommodation can be a rewarding endeavor. However, owners have to manage numerous exposures related to lodging, and many offer amenities that can dramatically increase the number of risks. Assessing your exposures and taking the appropriate precautions can go a long way toward protecting your business.

This year has undoubtedly been a very difficult one. Don’t forget to take a moment, pat yourself on the back, and gift your Bed & Breakfast business with something you have been wanting to purchase. Nobody knows your business better than you, and you deserve something special this season. Here are our top 3 gifts to give to your business. CBIZ Innkeepers Insurance has you covered.