Heritage Bed & Breakfast Insurance

Property

Covering:

Buildings
Business and Personal Property
Innkeepers as additional named insured
Inn-Sitters as additional named insured
Loss of Business Income and Extra Expense
Special Perils coverage
$1,000 deductible each occurrence (including wind)
Replacement Cost Endorsement (on contents)
Agreed Amount Form (on buildings)
Building Ordinance and Law Coverage
Building Foundations

Property Extensions

$ 500,000
Newly Acquired Buildings

$ 250,000
Newly Acquired Business Property

$ 25,000
Personal Property of Others

$ 25,000
Valuable Papers and Records

$ 25,000

Property off Premises Including Transit

$ 25,000
Outdoor Property - Including unattached signs

$ 25,000
Accounts Receivable

$ 25,000
Arson Reward

$ 25,000
Back Up of Sewers and Drains

$ 25,000
Extra Expense

$ 25,000
Fine Arts

$ 25,000
Fire Protective Devices

$ 25,000
Loss of Refrigeration

$ 25,000
Consequential Loss

$ 25,000
Computer Hardware and Software

$ 25,000
Off Premises Utility Service Interruption

$ 25,000
Flood Damage (if eligible)

$ 25,000
Pollution Clean Up and Removal

$ 2,500
Money Securities on and off premises

$ 500
Lock Replacement

Building Glass
Debris Removal 25% of the loss plus an additional $ 25,000

Liability of Coverage

$ 2,000,000
Bodily Injury and Property Damage Aggregate Limit

$ 1,000,000
Bodily Injury and Property Each Occurrence

$ 1,000,000
Products/Completed Operations

$ 1,000,000
Personal Injury and Advertising Liability

$ 1,000,000
Premises Liability

$ 1,000,000
Host Liquor Liability

$ 1,000,000
Non-Owned Watercraft (up to 50ft.)

$ 1,000,000
Non-Owned Aircraft

$ 1,000,000
Property Damage to Borrowed Equipment

$ 1,000,000
Property Damage to Customers Goods

$ 1,000,000
Property Damage from the use of Elevators

$ 100,000
Fire Legal Liability, Broad Form

$ 15,000
Premises Medical Payments

$ 2,500
Guests Vehicles

$ 2,500
Bail Bonds

Additional insured by contract, Agreement or Permit
Broad Form Named Insured
Failure to Disclose prior Claims or Hazards
Knowledge and Notice of a Claim or Suit
Broad Form Bodily Injury
Automatic Liberalization Clause
Innkeepers as Additional Named Insured