Loudoun Mutual Insurance

B&B Coverage Brochure
Equipment Breakdown Coverage for B&Bs Brochure

Loudoun Mutual wants to insure your bed and breakfast operation. We have developed a unique product to properly insure the types of losses you may encounter as a bed and breakfast owner. We will insure your bed and breakfast operation whether or not it is your primary residence.

The policy provides coverage for the building, personal property, loss of income, money and securities ($5,000 coverage), liability, and medical payments to others coverage.

Coverage for the buildings may be written on a replacement/reconstruction cost basis, agreed upon value or actual cash value basis. The buildings are insured against all fortuitous direct losses not excluded.

Personal Property may be insured for specified occurrences or “perils” coverage, or the policy can be endorsed to provide expanded coverage for personal property against all fortuitous direct losses not excluded.

$50,000 loss of business income coverage is automatically included in the Bed and Breakfast policy, with higher limits available. This coverage is designed to pay for continuing operating expenses such as: payroll, utilities, loss of rental income, and reasonable extra expense coverage to enable the bed and breakfast to return to normal operations as soon as possible after a loss.

Liability coverage is provided for acts of negligence and includes coverage to hire an attorney to defend the Bed and Breakfast owners. It also provides incidental coverage for parking autos and supplemental coverage for liability from non-owned autos being used in activities related to the operation of the Bed and Breakfast. In addition, personal injury coverage is provided for allegations of advertising injury, libel or slander.

Regardless of fault, our Bed and Breakfast Program automatically provides $5,000 medical payments coverage for guests and visitors resulting from an incident that occurs on the premises or as a result of the Bed and Breakfast operations.

Coverage enhancements that come standard with Loudoun Mutual’s Bed & Breakfast program include: Building Code/Ordinance of Law Coverage, Food Spoilage, Food Contamination – Consequential Loss, Guest Relocation, $25,000 Water Damage-Sewer/Drain Back Up, Lock Replacement, Loss of Income from Dependent Property, Loss of Income from Interruption of Computer Operations, Vehicle Coverage, Guest Personal Property and Incidental Alcoholic Beverage Coverage.

Our program was designed specifically for B&B operations. The program’s coverages can be increased and tailored to meet the unique requirements of most B&Bs.