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!