Bed and Breakfast Insurance

small business owner covered by B&B insurance

Do You Need B&B Insurance?

In most states, any employer with one or more employees is required to carry workers’ compensation insurance. Accidents on the job can happen when you least expect them. Having workers’ comp coverage can help protect your bed and breakfast employees from work-related injuries or illnesses.

For example, if your employee trips and sprains their ankle while walking up the stairs to deliver fresh towels, your workers’ compensation insurance can help cover their medical care and treatment costs, plus replace most of their lost wages if they need time off to recover.

Who Needs Bed and Breakfast Insurance?

The following types of properties may need B&B insurance coverage:

Bed and breakfast businesses
Inns
Seasonal properties
Secondary properties
Vacation rental properties

Workers’ comp insurance coverage for B&B businesses is often required in most states. Be sure to check with your local laws to find out what types of insurance you’ll need. Without it, your business could be fined, and you could face employee lawsuits that you have to pay for out of pocket.

What Does Workers’ Comp Insurance for a B&B Cover?

If your employee suffers a work-related injury or illness, your workers’ comp benefits help cover:

Disability benefits
Medical care and medical treatment costs
Lost wages if they take time off from work to recover
Death benefits, like helping to pay for a funeral if they lose their life in a work-related accident or illness
Costs related to a lawsuit from an employee’s work-related injury or illness

B&B Insurance FAQs

Is Workers’ Compensation for Bed and Breakfasts Required?

In most states, bed and breakfast businesses will need workers’ compensation insurance. Keep in mind that each state has its own workers’ compensation requirements and laws. Even if workers’ compensation is optional in your state, it can still be a good idea to have it. Some states may have a state-funded insurance program that would handle the payment for an employee’s medical care and recovery.

How Much Does B&B Insurance Cost?

Most of our customers with less than $300,000 annually in payroll paid an average of $62 a month for workers’ compensation insurance.** Keep in mind that the cost of workers’ compensation insurance will often vary between businesses. Insurance companies use several different factors to determine your premium, so there’s no standard cost.

How Do I Get Workers’ Compensation Insurance for My B&B?

Are you wondering how to get workers’ compensation insurance for your bed and breakfast business? It’s easy to get a quote online from The Hartford. Be sure to check your state’s workers’ compensation laws and requirements. Some states may require you to get coverage through state-funded programs, while others allow you to shop around with different private insurance companies.

Is Workers’ Compensation Required in My State?

Each state has its own workers’ compensation laws and requirements. In most states, it’s required to have workers’ comp insurance if you have any employees. Some states may have a state-funded workers’ compensation insurance program that will handle the payment for an employee’s medical costs and recovery. Even if workers’ compensation is optional in your state, it’s still a good idea to have it. Without coverage, you’d have to pay out of pocket for your employee’s medical care and recovery time if they experience a work-related injury or illness.

How Is Workers’ Compensation for B&Bs Calculated?

Insurance companies use several different factors to calculate your workers’ compensation insurance cost. Some factors that can affect your insurance premium include your industry, location, number of employees and the type or class of work you do.

Insurers may use this formula to estimate your workers’ comp cost:

Workers’ Classification Code Rate X Experience Modification Number X (Payroll/$100) = Premium**

Your experience modification number is a value used by insurance carriers to measure both the past cost of workers’ compensation claims and the future probability of additional claim costs.

Taking Care of Your Team

Your employees are a key part of keeping your bed and breakfast business running smoothly. If they’re injured or become ill on the job, it can have an impact on your business’ success. B&B workers’ compensation insurance can help you take care of your team.

There were 2.8 million workplace injuries and illnesses reported throughout the U.S. in 2022.²

Employee Injury

“One of my employees was carrying a basket of blankets down the stairs when she accidentally tripped and fell. She ended up having a broken ankle and needed time off to fully heal.”

Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. This insurance can help pay for their treatment costs and replace some of their lost income.

Customer Lawsuits

“One of my employees hurt his back while unloading a large food delivery. He took time off to receive medical treatment and sued my bed and breakfast for his injury.”

Employer’s liability insurance is included with a workers’ comp policy from The Hartford. This coverage can help pay your legal costs if your business is sued by an employee who is injured or became ill on the job.

small business owner getting a quote for insurance for b&b

Get a Bed and Breakfast Insurance Quote Today

When it comes to providing workers’ compensation benefits to your employees, partnering with an experienced insurance company is key. Backed by over 200 years of experience, we can help you find the protection that you can trust. Get a quote today for B&B workers’ compensation insurance.

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Bed and Breakfast Insurance