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