Rest easy, you're covered by the best.

Smith, Bell & Thompson is one of the country's most experienced writers of insurance for Bed & Breakfasts and Country Inns. And, unlike most insurers, we're located in the heart of one of the nation's largest concentrations of Country Inns and B&B's. You'll find a different philosophy when working with our staff at SB&T. We understand many of the challenges involved in owning and operating a hospitality business, and realize that insuring your business is often not your highest priority.

Since each Bed & Breakfast or Country Inn is unique, exposures can vary enormously. This program was designed to help Bed & Breakfasts, Country Inns and Cabin Rental businesses preserve their unique attributes with coverage that reflects their individuality.

This is not simply a glorified homeowners policy -- or a commercial policy developed for other businesses. It's a comprehensive insurance program designed specifically for Bed & Breakfast and Country Inn owners. And optional coverages make it possible to individualize your coverage even further. A long list of enhancements to the standard insurance forms are provided at no additional cost.

Our carrier is financially strong and stable and experienced in providing coverage for the hospitality industry.

B&B and Country Inn Brochure

• National carrier rated A by A.M. Best
• Property - Innkeepers Property Endorsement
• Guaranteed replacement cost for buildings (see policy for coverage details and limitations)
• General Liability
• Innkeepers Personal Liability Endorsement
• Inland Marine
• Crime
• Equipment Breakdown
• Liquor Liability
• Non-owned and hired auto (except IL and MA)
• Umbrella (available outside the program)

Are you an insurance broker seeking to assist your hospitality clients? If so, contact us today! Not currently available in Hawaii or Missouri.

Submission requirements:

• ACORD applications
• SB&T B&B Supplemental Application Adobe 8 Reader-Free Download
• 3-5-year currently valued loss runs

For more information, please contact:
Doug Grahn, Director of Marketing