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.

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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