Owning and operating an inn, bed and breakfast, or boutique hotel is a hands-on business. You are responsible for guest experience, property upkeep, staffing, vendors, and revenue – all while managing risks that are unique to hospitality. And yet, many innkeepers rely on insurance coverage that was not designed for how their businesses actually operate.
When coverage gaps exist, the consequences can be costly: unexpected downtime, uncovered claims, or financial strain during an already challenging situation. The right insurance program should not only respond after a loss; it should help protect your business before one occurs.
The Unique Risks Innkeepers Face
Hospitality businesses face exposures that standard commercial or homeowners policies often fail to address. These risks can include:
- Property damage that interrupts operations and income
- Guest injuries or liability claims, on or off the premises
- Historic or aging buildings with specialized coverage needs
- Seasonal revenue fluctuations that complicate income protection
- Liquor liability and contractor risks
- Damage caused by guests, including theft or vandalism
- Claims complexity, especially when policy language is unclear or restrictive
For innkeepers, insurance is not a one-size-fits-all solution. It requires industry understanding, tailored coverage, and an advisor who speaks your language.
About the CBIZ Innkeepers Insurance Program
The CBIZ Innkeepers Insurance Program was developed specifically for inns, bed and breakfasts, and boutique hotels. Built through direct collaboration with innkeepers and shaped by ongoing engagement in the hospitality industry, the program is designed to reflect how these businesses operate and the risks they face every day.
Rather than adapting generic coverage, CBIZ offers a comprehensive insurance solution designed to help protect your property, guests, and income.
Coverage Designed for Boutique Hospitality
The CBIZ Innkeepers Insurance Program offers broad, customized coverage options, including:
Liability Coverage
- Provides $1M per occurrence and $2M annual aggregate with higher limits options available
- Covers liability on and off your property anywhere in the U.S.
- Personal injury (including wrongful eviction)
- Covers pet injuries with no breed restrictions
- Provides guest medical payments for no-fault emergency accidents
- Includes full legal defense coverage
Property Coverage
- Covers replacement cost for building and contents – no depreciation (new for old)
- Protects business and rental income with no coinsurance or time limits
- Provides broad protection for special causes of loss
- Fully covers seasonally occupied properties
- Covers bed bug extermination costs and loss of rental income
- Protects fine arts and antiques at market value
- Includes lock replacement coverage
- Covers plants, trees, shrubs, and lawns
- Protects all outbuildings and detached structures
- Covers the personal property of guests
- Removes sublimits on damage caused by sewers and drain backups
- Protects against damage caused by guests, including dishonest or criminal acts
Additional Coverage Options
- Liquor liability
- Umbrella and excess liability
- Inland marine coverage
All coverages are subject to policy terms, conditions, and exclusions.
More Than Coverage – A Trusted Advisor
Insurance should do more than transfer risk. The CBIZ Innkeepers Insurance Program is supported by a team that understands the operational realities of running an inn and provides ongoing support beyond the policy itself.
Program benefits include:
- Exclusive coverage backed by A‑rated carriers
- In‑house claims handling with advocacy and regular updates
- Proactive risk management resources, including property self‑surveys, tips, and tools
- Flexible payment options and competitive, stable premiums
- A proprietary technology platform for fast quotes and responsive service
CBIZ advisors work alongside innkeepers as long‑term partners, helping them anticipate risk, respond to challenges, and adapt coverage as their businesses evolve.
Protection That Lets You Focus on What Matters Most
Running an inn means balancing countless responsibilities. Insurance should not be one of the uncertainties keeping you up at night. With coverage designed for your business, you gain confidence to focus on delivering exceptional guest experiences and growing your operation.
Contact Us to learn how the Innkeepers Insurance Program can help protect your property, your income, and the business you have worked so hard to build.
Frequently Asked Questions
Inns, bed and breakfasts, and boutique hotels face risks that many standard policies are not designed to address, such as guest liability, business interruption, seasonal income fluctuations, liquor liability, and damage caused by guests. The CBIZ Innkeepers Insurance Program is built specifically for how hospitality businesses operate, helping address coverage gaps that can leave owners exposed.
The program is designed for inns, bed and breakfasts, and boutique hotels. Coverage is tailored to protect property, guests, income, and operations, whether the business operates year‑round or seasonally, occupies a historic building, or includes amenities that increase risk.
CBIZ offers more than a policy. Innkeepers have access to industry‑focused advisors, in‑house claims advocacy, proactive risk management tools, and ongoing resources to help identify and manage risk before a loss occurs. The goal is to provide support that evolves alongside your business.
This blog may contain scenarios that are provided as examples only. Coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.
