Bed and Breakfast Risks
by Cansure
Hospitality Industry Insurance
CA$ 5M
Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, Yukon
Yes
- Personal Liability
- bed and breakfast (B&B) owners and operators
Product Overview
Bed and Breakfast Risks by Cansure is designed for Canadian B&B owners who need coverage that fits their unique business. This product offers personal liability protection for operators who welcome guests into their homes.
The policy is available across most provinces and territories, including Alberta, British Columbia, and Ontario. There is no deductible, making claims straightforward for policyholders.
Cansure’s coverage is built for non-standard properties, including those with shared spaces or special amenities. The product can include optional add-ons, such as business interruption and equipment breakdown, to address the needs of B&B businesses.
Insurance brokers must have a contract with Cansure to access this product. The application process asks for details about the property, guest capacity, and safety features. This product is not available direct-to-consumer and must be accessed through a licensed broker.
About Bed and Breakfast Risks by Cansure
Bed and Breakfast Risks by Cansure is suited for operators who may not qualify for standard home insurance. The product is flexible and adapts to the realities of running a B&B. Coverage is available only through licensed brokers, ensuring professional guidance throughout the process.
For more details or to start a quote, brokers can review the application form or reach out to a Cansure underwriter via the ‘Contact Underwriter for Quote’ option on this page.
Bed and Breakfast Risks by Cansure FAQs
What types of properties are eligible for this policy?
Bed and Breakfast Risks by Cansure is designed for non-standard habitational properties operated as B&Bs. Eligible properties include homes with shared spaces, unique amenities, or features that may not fit standard home insurance. Properties must meet certain criteria, such as limits on guest rooms and occupancy, and may also serve as the owner’s primary residence.
Does this product offer coverage for both the dwelling and business operations?
Yes, Cansure’s Bed and Breakfast Risks policy provides protection for the building, contents, and liability arising from guest stays or business operations, making it suitable for owners who need both personal and commercial protection.
What coverage options are included with Bed and Breakfast Risks by Cansure?
This product offers personal liability coverage for B&B operators. Optional coverages are available, such as business interruption and equipment breakdown. The policy can also include protection for the building, contents, and additional extensions tailored to the unique needs of B&B businesses.
Does the policy cover equipment breakdown for B&B operators?
Yes, equipment breakdown coverage is available as an optional add-on with Bed and Breakfast Risks by Cansure. This protects against losses from mechanical or electrical failure of essential equipment, such as heating systems, appliances, or other machinery used in the daily operation of the property.
What types of guest activities are covered under this policy?
Bed and Breakfast Risks by Cansure covers a range of guest activities typical to B&B operations. This includes activities that take place in shared spaces, such as dining areas or lounges. However, certain high-risk activities or those not disclosed in the application may be excluded, so it is important to review the policy details.
Is there a deductible for claims under Bed and Breakfast Risks by Cansure?
There is no deductible for claims under this product. Policyholders can receive claim payments for covered losses without out-of-pocket expenses, making the process straightforward and cost-effective for B&B operators.
Complete and up to date listings are our highest priority. Our full-time research team keeps our listings accurate and up to date but sometimes changes happen that we haven’t spotted yet. If you see something out of date, click here to open your email client and send us a message!