Bed and Breakfast insurance refers to a policy that provides an insurance coverage to owners of inns and hotels where guests check in, spend the night, and leave the next morning. At Skeele Agency, Inc., we have tailored insurance solutions for all innkeepers, taking into account their individual needs.
Having insurance coverage is important because you never know when accidents causing injuries may occur. Even if you implement the toughest safety precautions, accidents are bound to happen. In the event of cases such as slips, floods, fire, and other risks, the liability to compensate the victims falls squarely on you.
Bed and Breakfast Insurance Policy
Bed and Breakfast insurance from our agency is different from ordinary general homeowner’s insurance. You may not necessarily get full compensation if certain eventualities come upon your inn or guest house. For example, if a guest falls while on your premises and suffers injuries, he or she can sue your establishment for negligence. At the same time, a guest who suffers food poisoning after eating at your inn can sue you for damages. With only a homeowner’s policy, your establishment is left exposed. For this reason, obtaining a bed and breakfast insurance policy can give you peace of mind.
The insurance policy depends on certain factors such as the size of the inn or guest house, number of guests staying at the facility at any particular time, and the different equipment or machines installed on the premises. For this reason, we will first need to visit the inn.
What Does Bed and Breakfast Insurance Cover?
Once you obtain the policy from Skeele Agency, Inc. you can rest assured that you are covered for any accident at your inn. Should a person (employee or customer) get injured on your premises, your policy will take care of their medical bills without any delay because we understand that if compensation arrives too late, you could be sued further and end up losing more money in court battles.
In some serious accidents, the victim may suffer severe injuries leading to death. If this happens, our comprehensive bed and breakfast insurance policy will take care of the person’s funeral expenses in addition to the medical bills. Similarly, the policy will pay for any other damages, as the law may determine.
Benefits of Bed and Breakfast Insurance Policy
Imagine a tornado sweeps through your streets and ripping off the roof of your inn. This unexpected event will force you to close business to repair the damages. While a general coverage compensates the damage caused by the tornado, a bed and breakfast policy compensates the income lost during the repairing period.
Evidently, our insurance policies surpass those sold by our competitors. The fact that we have long-running experience is an even greater reason for you to talk to us. With our main office in central New York, we serve areas such as Waterville, New Hartford, Manlius, Chittenango, Cazenovia, and Deruyter.