The Nation’s Most Experienced Bed & Breakfast (B&B) Insurance Provider

Wister executives pioneered the modern bed & breakfast insurance policy, and it starts with four coverage areas: building(s), contents, income, and liability. From there, each bed & breakfast is unique and may require different insurance options, such as liquor coverage, workers compensation, commercial auto, and so much more.

We Identify, Customize, and Deliver Bed & Breakfast (B&B) Insurance

At Wister, we want to earn your business. We understand the value bed & breakfast (B&B) properties bring to the hospitality industry, and we also know the challenges in insuring them. Let us take the time to learn about your special property, review your current coverage, and deliver our best bed & breakfast insurance option.

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Bed & Breakfast (B&B)

When You Own A Bed & Breakfast You Are Opening Yourself Up to Liability Insurance Claims

We often tell our clients, your #1 liability exposure in life is driving your car, and heaven forbid you injure someone while driving. Then we ask, what is your #2 liability exposure in life?

The answer is your bed & breakfast.

When you open your doors to guests, you have now crossed into the world of hospitality law and legal terms such as ‘reasonable care’ and ‘assumption of risk’. With over 100 years of executive insurance experience, we have seen and defended virtually every liability claim conceivable at a bed & breakfast.

This includes the standard slip & fall, drownings, equine and bicycle accidents, invasion of privacy, assault & battery, and so much more. Our experience is your ally when it comes to making certain your bed & breakfast (B&B) liability exposure is covered.

You have worked hard to turn your bed & breakfast into an income-generating asset, now let Wister protect it.

One Policy Covers Both Commercial & Personal Use of Your Bed & Breakfast

In the past, many bed & breakfast owners were forced to manage both a commercial business policy and a personal policy. Bed & breakfasts do not fit into one insurance category as the guests pose a commercial risk, while the owners fall under personal risk. Wister allows you to manage one policy.

Wister The Wister Difference

Coverage Highlights & Options:

  • Building
  • Contents
  • Income
  • Amenities & Activities
  • Commercial General Liability
  • Liquor Liability
  • Personal Liability
  • Umbrella Liability
  • Professional Liability
  • Employee Benefits Liability
  • Workers Compensation
  • Commercial Auto
  • Cyber Liability
  • Equipment Breakdown
  • Crisis Management
  • Inland Marine
  • Crime & Fidelity
  • Directors & Officers
  • Foodborne Illness
  • Bells & Whistles
  • + More

Exclusion Based Insurance vs Named Perils Insurance for Your Bed & Breakfast

Many bed & breakfast owners are not aware of the difference between the two major commercial insurance coverage forms; special form (all-risk or exclusion based) and basic or broad form (named perils).

The foundation of every bed & breakfast insurance contract is the coverage form, what is actually covered?

Named Perils: With a named perils coverage form, the insurance contract will ‘name’ or list what is covered. There are two types: basic and broad.

Basic names 11 coverages – fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicle collision, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, or volcanic action.

Broad names everything basic does but adds 4 more coverages – falling objects, weight of snow/ice/sleet, water damage in the form of leakage, and collapse from specified causes.

If your bed and breakfast has a peril and you file an insurance claim, for anything not named above, there would be no coverage. Most owners feel this is a comprehensive list, but the reality is it can be misleading.

Special Form: What Wister offers is labeled special form or an exclusion-based coverage form. What this means is everything is covered unless it is specifically excluded. A few standard exclusions include wear and tear, intentional damage, earth movement, flood, fraud, war, and a few more.

However, special form coverage is far superior versus named perils for a bed & breakfast (B&B) property owner. Not one named peril is excluded, and you receive coverage for things such as spillage of paint or wine, or wild animal damage, as again, if it is not excluded, then it is covered!

Replacement Cost Valuation Vs Actual Cash Value Insurance for Your Bed & Breakfast

Every bed & breakfast (B&B) owner should have replacement cost valuation insurance. What this means is ‘new for old’, without a calculation on depreciation in the event of a loss.

A great example and common claim would be hail damage to your roof. Assuming total damage to your roof, even if it is 15 years old, with replacement cost, you would be covered for the full cost to replace your roof.

This same example with actual value insurance would not pay for the full cost of the roof. It would calculate the 15-year depreciation, then pay you the difference. Given most roofs have a 20-year life expectancy, you would only be paid 25% of the replacement cost.

At Wister, we understand you are in the bed & breakfast business, not the insurance business, that is what we do. It is our job to educate you on the details of bed & breakfast insurance, then deliver the right solution at the right premium.

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