The CBIZ Innkeepers Insurance Program Coverages

Our comprehensive insurance program protects exposures before a loss occurs and is serviced by a team of industry experts.

The CBIZ Innkeepers Insurance Program provides coverage for:

  • Bed & Breakfasts
  • Fishing & Hunting Lodges
  • Dude & Guests Ranches
  • World-Class Destination Resorts and Lodges


Explore the depth of our policy coverage:

General Liability

  • Comprehensive General Liability - available limits
    • $2M or $3M aggregate
    • $1M each occurrence
  • Employee Benefits Liability
  • Damage to premises rented to you - $100,000
  • Medical payments - $5,000
  • Blanket additional insureds
  • Available coverage options:
    • Watercraft Liability
    • Personal Liability endorsement for resident owners


Liquor Liability

  • Limits to $1M/$1M (in most states)



  • Elite Property Enhancement: Great Outdoors, including: $100,000 Business Income and Extra Expense
  • Replacement Cost  Coverage
  • Available coverage options:
    • Blanket limits


Umbrella/Excess Liability

  • Large Excess Limits available


Crime and Fidelity

  • Employee Theft/Forgery or Alteration
  • Theft, Disappearance, and Destruction
  • Guest Property


Inland Marine

  • Equipment, tools, saddles and tack, guns, small boats, ATVs, golf carts, bicycles, snowmobiles, sleighs
  • Fine arts, electronic data processing, valuable papers



  • Non-owned/hired auto
  • Owned Autos: commercial vehicles, service vehicles, pick-up trucks, vans, and buses used to transport guests
  • Seasonal Coverage: company will process endorsements to add and remove coverage or vehicles based on seasonal use
  • Web-based Auto ID card issuance


Bell Endorsement Includes:

  • $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling.
  • $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement; and
  • $1,500 Travel Delay Reimbursement


Crisis Management Enhancement Endorsement

  • $25,000 limit for crisis management emergency response expenses incurred because of an incident giving rise to a “crisis”


Special Cause of Loss Form

Coverages CBIZ Innkeepers CTA.



800.488.1135 | [email protected] 

700 W 47th Street, Suite 1100 |
Kansas City, MO 64112 

Monday - Friday | 8:00 a.m. - 7 p.m. (CST)


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.





Association of Lodging Professionals Logo.


Select Registry Endorsement logo.