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Get insurance for a bed and breakfast

Insurance for a bed and breakfast - ALIGNED Insurance Brokers
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Need insurance for a bed and breakfast? Read this.

A good night’s sleep. That’s what you offer your clients and it’s what you expect from your insurance coverage. It’s also why insurance for a bed and breakfast is a specialized product.

As an owner / operator in the hospitality industry, you face specific risks in your B&B. Across Canada, bed and breakfasts are popping up everywhere. Creative entrepreneurs are adapting properties and delivering unique experiences to adventure-seeking millennials, comfort-craving boomers and everyone in between.

In fact, the first guests at a new B&B in Alberta rang in 2020 and woke up in a castle. Ryans Castle is 40 km from Edmonton, Alberta and is flooded with reservations. Serving Sunday afternoon tea “Downton Abbey” style and with just one room going for $995 a night, it’s clear that this bed and breakfast has found a perfect niche market. 1

Alberta castle offering ‘Downton Abbey’ bed and breakfast experience”


1 Source: CTV News (and video)

With every exciting new venture, also comes risks. Thankfully, there’s now an insurance policy that’s specifically designed to meet the unique exposures faced by bed and breakfast owners.

The hidden hospitality risks B&Bs face…

You may not be aware that the majority of insurance policies for bed and breakfasts today are little more than modified homeowners policies. This means that they may not contain the specific commercial property extensions you need to ensure adequate coverage for your hospitality operations.

One such coverage that you should be aware of is Innkeepers Liability. This is an essential liability coverage that may not be part of your current B&B policy.

Our brokers understand the bed and breakfast industry across Canada and that’s why we’re proud to partner with top insurance companies like Totten Group to offer unique products and services.

Totten Group’s Bed & Breakfast package policy is specifically designed to include commercial property extensions, innkeepers liability and much more.

Questions about insurance for a bed and breakfast? We’re happy to help.

Our team of experienced brokers are small business experts. We know the common and uncommon risks that hospitality business owners face. So if you’re looking for B&B insurance for your existing business or about to launch a new bed and breakfast, we can help you find the best fit for the specific risks you face.


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The specifics. Bed & breakfast coverage highlights…

Here’s what you can access with the new package policy that Totten Group has specially designed for Canadian bed and breakfast businesses:

Property – B&B

> Broad Form Homeowners including Replacement Cost
> Business Interruption $10,000 Actual Loss Sustained
Extension Endorsement
> Accounts Receivable – Limit $2,500
> Exhibition Floater – Limit $2,500
> Professional Fees – Limit $2,500
> Outdoor Signs – Limit $2,500

Liability – B&B

> Commercial General $1,000,000
> Occurrence form
> Non-Owned Auto
> Comprehensive Personal $1,000,000
> Innkeepers – $500 per guest / $2,500 per occurrence*

*Source: Totten Group: Bed & Breakfast Product Information Sheet



We’re here to help you find the BEST commercial insurance…
Our team of insurance brokers is available to help answer any and all questions you might have about all of our commercial insurance products. If you have a question about business insurance, are uncertain about what a particular insurance coverage term means, or simply want to find commercial insurance that directly aligns with your needs, don’t hesitate to call us toll-free at 1-866-287-0448.

It’s time to get your insurance aligned. Want Canadian business insurance that’s ALIGNED with your bottom line? We can help. 365. Call us toll-free at 1-866-287-0448.

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