Bed & Breakfast - BIGelearn.bankersinsurance.com/Media/Default/Marketing...Bankers Bed & Breakfast...
Transcript of Bed & Breakfast - BIGelearn.bankersinsurance.com/Media/Default/Marketing...Bankers Bed & Breakfast...
What’s CoveredBankers Bed & Breakfast Protection
With over 40 years of experience in commercial lines policies, Bankers Insurance Group offers a stable and secured product. We’ve crafted a unique program designed for eligible B&Bs, providing eligible risk protection to owners who take pride in their property.
Some eligible risks include:
• Replacement cost available onstructures of all ages
• Replacement cost on contents• Loss of business income• Any construction types• Wind coverage available• Guest property• Fine arts• Spoilage
Customer Service 800.627.0000 x4900 | bankersinsurance.com
Florida Business Owners Policy
Bed & Breakfast
• Risks with prior claims activity• Risks with additional activities on
premises• Risks offering wedding or reception areas
Share your home away from home...knowing it’s fully covered by Bankers Insurance.
BIG
111 F
L 4
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Examples of Comprehensive Coverage at No Additional Cost
Our complete online system makes writing easy:
• Process from quote to application
• View existing policy information, including payment andpolicy status
• Submit and view endorsements and cancellations, keepsigned documents
• Quote new business up to 60 days out
• Report insured claims, receive claim number instantly
• Access underwriter directly
• Generate individual or agency loss run reports
• Use convenient payment plans with American Express,Visa, MasterCard, and Discover
Coverage Feature Limits
Accounts Receivable $25,000 at premises/$2,500 off premises
Business Income and Extra Expense
25% included
Business Personal Property Within 1,000 feet of premises
Business Personal Property - Seasonal Increase
The policy limit on business personal property will also automatically increase by 25% to provide for seasonal variations.
Damage to Premises Rented to You (Fire Legal Liability)
$50,000
Debris Removal - Increased Limits
25% of the loss up to a maximum of $25,000
Electronic Data Additional Coverage
$10,000
Employee Dishonesty $10,000
Fine Arts $10,000, $500 per item limit (without an appraisal)
Fire Department Service Charge
$10,000
Fire Extinguisher Systems Recharge Expense
Included
Forgery and Alteration $15,000
Fungi or Bacteria Coverage - Property
$15,000
Glass Expense $10,000
Guests’ Property on Premises Motels/Hotels/Bed & Breakfasts ONLY
$25,000, $1,000 per guest limit
Coverage Feature Limits
Money and Securities $10,000 inside/$2,500 outside
Money Orders and Counterfeit Paper
$1,000
Newly Acquired Property Coverage Extension
Contents at $250,000; coverage period is 180 days.
On Premises Swimming Pool - Liability
$20,000
Outdoor Property - Named Perils Only - Fire, Lightning, Explosion, Riot and Civil Commotion, or Aircraft
$10,000 but not more than $2,500 for fences or walls, $1,000 for any one tree, shrub or plant, $1,000 for antennae and satellites and $5,000 for signs (unattached).
Personal Property Off Premises (Including Transit)
$25,000
Pollutant Clean Up and Removal
$10,000
Reward Coverage $5,000
Spoilage Coverage $10,000
Signs - Attached $5,000
Supplementary Payments Includes the cost of bail bonds, attorney fees, loss of earnings up to $100 a day.
Valuable Papers and Records $25,000 at premises/$5,000 off premises
Wind and Hail - Added as Covered Causes of Loss for Outdoor Property
Included