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CBIZ Innkeepers Insurance, a division of CBIZ Insurance Services, Inc., is the largest insurer of innkeeper businesses in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we developed a specific policy coverage to meet the needs for inns and bed & breakfasts, and the amenities offered by these businesses.

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That said, the average bed and breakfast insurance cost is about $70 per month, or $840 per year for a $1 million general liability insurance coverage. As a bed and breakfast business owner, you may wish to have several other coverages in addition to general liability, like commercial property insurance, business interruption, and more.

Marcy is a partner at The Signature B&B Companies overseeing the Main Street Business Group. In 1990, she joined Ruchman Associates Inc., a family insurance agency which merged with B&B Coverage in 2009.