Bed and Breakfast Retreats offer an intimate environment where guests can rest and relax in home-style surroundings. Whether offering guests personal services or recreational activities, Bed and Breakfast lodging requires insurance programs customized to meet their unique requirements.

OIG has access to a wide range of insurance providers specializing in exposures typical to Bed and Breakfast facilities.

Outdoor Insurance Group Program Highlights:
• property coverage for large value frame buildings in an unprotected area.
• commercial kitchens
• conference centers.
• marina operators liability.
• liquor liability.
• automobiles, including buses and vans used to transport guests
• equine liability
• workers’ compensation

Special Coverage Available:
Personal Liability Coverage:
Available to owners that reside on premises and do not maintain other residences. Combined with the Household Personal Property endorsement, the need for a homeowners policy is eliminated. Coverage is expansive; therefore, coverage can only be offered if the business is solely owned by an individual or family that reside on the campground/resort.

Household Personal Property Coverage:
Extends property coverage to owners. May be purchased alone or with the Personal Liability Endorsement.

Mechanical Breakdown Coverage:
Available in most states and included in all property policies at no additional charge. This eliminates the need to purchase a stand-alone mechanical breakdown/boiler policy.

When it comes to your insurance needs let our experience guide YOU to the right coverage. Our knowledge of the outdoors and our experience in the insurance industry gives us the unique ability to access multiple national insurance companies to design the right coverage at the right price specifically for your operation.

We understand your risks—we speak your language!

Contact Heather Gillingham-Chapple at 1-888-683-7808 for your insurance needs. You will be treated the way you treat your clients…with enthusiasm, respect and a desire to see them succeed. Contact us now by clicking here.