Ontario B&B Insurance
Protect your bed and breakfast with 5-star coverage.
- Liability coverage to protect from legal perils.
- Protection against damage and theft.
- Customizable coverage options to fit your specific needs.
Protects you when someone suffers a bodily injury or property damage for which you are held responsible. When a claim is made, commercial general liability coverage will cover your defence costs and any fees you face due to these charges. Sometimes, this is combined with a personal general liability insurance policy if guests stay in the home that the bed and breakfast owner lives in.
Covers a wide range of perils that your property could face. Most obviously, it covers physical damage to the structure itself. This includes risks such as fire, hail, vandalism, and similar threats. Commercial property insurance also protects any contents you hope to insure. You should track your inventory to help take full advantage of this coverage. This protection covers repairing or replacing anything lost if such a claim occurs.
Financially protects you when equipment within your bed and breakfast location ceases to operate for reasons outside your control. This could include sudden mechanical failures or machines becoming inoperable due to power surges.
Financial protection in situations where cybercriminals target your bed and breakfast. Commercial cyber insurance will pay the costs for you to get your systems back up, get legal advice, cover costs incurred, and get credit monitoring so that your information and your customers' information are safe.
Not included in a standard bed and breakfast insurance policy. However, they are still very common, and very much worth considering for anyone who owns a bed and breakfast.
Covers excess liability charges beyond what a policy typically allows.
Tell us about your insurance needs and current coverage.
We shop multiple trusted insurers to find coverage that fits your needs and budget.
Review your options, choose what fits your needs, and get your policy started, often the same day.
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How Can I Lower The Cost Of B&B Insurance in Ontario?
There are a handful of ways to lower the cost of B&B insurance. Most of them involve reducing the level of risk that you expose your insurance company to. Some common ways to lower your B&B insurance quote include:
What Is B&B Insurance in Ontario?
Bed and breakfast insurance, also known as B&B insurance, is a type of business insurance (/business-insurance/) that provides financial protection to bed and breakfast owners if an insured peril damages the business. These perils often come in the form of damage to the property, theft, and the many liability risks inherent in allowing customers on your property. Given that you are open to each of these exposures daily, the odds of any of these perils becoming the cause of a significant loss add up quickly. Your business could suffer a considerable setback if a loss occurs. However, with the right B&B insurance, your policy will provide you with financial protection, allowing you to continue to grow your business.
Who Needs B&B Insurance?
Anyone who owns a bed and breakfast in Ontario needs the coverage that B&B insurance provides. This is due to the many risks involved with owning a bed and breakfast. You have all the risks involved in property ownership, all the risks involved in letting people onto your property, all the risks associated with being a business that deals with food, and more. You also likely have some heavy equipment, and if your information is stored electronically, much of your data is likely exposed to cybercriminals.
Is B&B Insurance Mandatory in Ontario?
Although B&B insurance coverage is not legally required in Ontario for owners of these fine establishments, it is highly recommended. In addition to providing financial protection against several perils that you are open to, it is also sometimes needed for things like getting a mortgage. While you can take steps to lower the odds of a terrifying incident, reducing the odds to zero would be impossible due to many factors being out of your control. For this reason, it is recommended that every bed and breakfast owner get the protection that B&B insurance provides.
