Bed & Breakfast Industry
California Mutual offers a comprehensive package of coverages specifically designed for the Bed and Breakfast Industry. Insure your home and livelihood with a company that has been in business since 1920, so you can relax, enjoy your guests and the joy of owning your own business.
Our package includes:
Building
- Includes Walkways, Fences and Attached Signs
- Replacement Cost
- Inflation Guard
- Glass
Business Personal Property
- Worldwide Personal Property Extension – $5,000
- Guest Property – $1,000 / $25,000
Loss of Income
- Extra Residence Living and Business Expense
- Additional Living Expense and Guest Relocation
Liability
- Bodily Injury and Property Damage
- Personal and Advertising Injury
- Medical Payments
- Fire Legal
- Personal Liability
- Temporary Innkeeper’s Liability
Other Included Coverage
- Debris Removal - $10,000
- Fire Department Service Charge – $1,000
- Electronic Data Processing - $2,500
- Pollution Clean Up and Removal – $10,000
- Increased Cost of Construction – $10,000
- And more
Optional Coverages
Coverage Enhancement Endorsement
- Backup Sewers and Drains - $10,000
- Spoilage - $10,000
- Customer Property - $5,000
- Outdoor Signs - $5,000
- Money and Securities - $5,000
- Robbery and Safe Burglary - $5,000
- Property in Transit - $5,000
- Fire Department Service Charge - $5,000
- Increased Cost of Construction - $150,000
- Property of Others - $10,000
- Valuable Papers - $25,000
- Outdoor Property - $10,000
Equipment Breakdown
- Mechanical Failure
- Electrical Failure
- Communication Equipment
- Computer Equipment
- Electrical Equipment
- Refrigeration Equipment
- Heating and Air Conditioning Equipment
- Direct Physical Loss
- Business Interruption and Extra Expense
Additional Optional Coverages
- Accounts Receivable
- Detached Signs
- Employee Dishonesty
- Forgery and Alteration
- Non-owned and Hired Auto
- Liquor Liability
- And More
