Garrett Insurance Agency - Main Office
212 Sidney Baker Street S
Kerrville, TX 78028

830-896-6600
Fax: 855-928-2121


Bed & Breakfast Insurance in Kerrville TX & Fredericksburg TX

Keeping Bed & Breakfast Insurance in Fredericksburg and throughout Central Texas secure


Bed and breakfast inns offer both rest and relaxation to guests in a more intimate setting than your standard hotel.  

Despite their charm and intimate feeling, bed and breakfasts have similar insurance needs to larger hotels and hospitality chains, in order to to protect themselves in the event of an accident or loss. Moreover, some bed and breakfasts may need more coverage than the standard hotel due to the unique design of their business.  

Regardless of your business’s size or scope, expert-tailored insurance coverage can help you protect your property, your guests and yourself if costly accidents occur. Garrett Insurance Agency, Inc. is ready to help you get the right coverage that will protect you in numerous circumstances.  

What Is Bed and Breakfast Insurance?  


Bed and breakfast insurance can pay you for the recovery costs of unpreventable or unavoidable accidents that occur on your property. You want to be able to serve your customers in the most-satisfactory ways. If something were to come along and damage the property, that ability might become impacted. Your insurance coverage can work to your advantage in these situations.  

Most bed and breakfast businesses need numerous types of commercial insurance, such as:  

  • Property Coverage: This insurance protects such property as your building and other structures. It will pay if you face a hazard — such as fires or weather — that damages the property.  

  • Contents Coverage: You will need this coverage to insure the furnishings and contents within the bed and breakfast. If damage or theft occurs, this coverage can help you replace the items.  

  • General Liability Insurance: You must take responsibility for all the visitors within the bed and breakfast. If you cause them property damage or bodily injuries because of mistakes, this coverage can help you compensate them for their losses.  

  • Business Income Coverage: If an accident, such a fire, strikes the bed and breakfast, it could cause major disruptions. You might not be able to operate while the repairs are ongoing, and that could lead to a loss of income. This portion of your coverage can help you recover such lost funding.  

  • Cyber Liability Insurance: This coverage will help you get control of a situation such as a data breach or a ransomware attack, when your bed and breakfast’s private data might become compromised. This coverage can help you protect yourself and customers from the losses that might occur following a cyberattack.  

  • Umbrella Liability Insurance: An umbrella policy might be able to step in to help you cover outstanding costs not covered within your standard liability policies. It’s an extra layer of liability protection for multiple standard policies.  

  • Workers Compensation Insurance: This coverage will provide a supplementary income to employees injured on the job. Most states require most businesses to offer workers compensation policies, both to full- and part-time employees.  

  • Employee Dishonesty Coverage: Should one of your employees steal from the business, this coverage can help you recover your losses.  

  • Commercial Auto Insurance: Bed and breakfasts that offer shuttle services, or own a company vehicle, might need this coverage. It will work like standard car insurance, but contains coverage tailored specifically to business vehicles. Policies can also include hired/non-owned vehicle endorsements that cover an employee’s personal vehicle when they use it on official business.  

  • Liquor Liability Insurance: If you sell alcohol on the premises, there’s a chance that your sales could lead to a client harming themselves or others. The harmed party might blame the bed and breakfast for the damage. This coverage can help you settle damages associated with such claims.  

  • Foodborne Illness Liability Insurance: Food served at your bed and breakfast could accidentally sicken a customer. This coverage can settle with the customer for their medical costs and other losses.  

  • Equipment/Machinery Breakdown Protection: Broken air conditioning systems, refrigeration, and cooktops can all be costly expenditures. This coverage helps fund repairs.  

  • Employment Practices Liability (EPLI) Coverage: This coverage protects the bed and breakfast from claims of misconduct. For example, it might help you respond to lawsuits brought by employees who allege discrimination, harassment or wrongful termination.  


Frequently Asked Questions  



What are bed and breakfast business insurance policies?  

In many cases, you can purchase a business owners policy, also called a BOP, for your bed and breakfast business. The BOP will contain several types of coverage in one place. Usually, they automatically include structure, contents, general liability, and business income coverage. However, you can often add extra coverage to these policies as well.  

What are bed and breakfast insurance requirements?  

Certain states require hospitality businesses to hold specific lines of coverage. For example, you’ll likely have to buy workers compensation insurance, as this is required for employers in most states. can help you secure the necessary coverage and comply with state and local laws.  

How much does bed and breakfast insurance cost? 

Insurance premiums for bed and breakfasts vary based on multiple factors. The bed and breakfast insurance rates will depend on your location, property value, service amenity and liability risks might all contribute to your exact cost. Contact us today for bed and breakfast insurance quotes.  

At Garrett Insurance Agency, Inc., we offer numerous coverage options, and we know how to compare policy offerings to your needs to set up and maintain the right coverage for your bed and breakfast. Whether you are starting to look for a policy, or have questions about your existing coverage, our dedicated agents are ready to help. Get started with a free quote today.