Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality
Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents.
Ideal Accounts and Appetite
This program is designed for a variety of hospitality risks, including:
- Owner-occupied bed and breakfast properties
- Inns managed by an innkeeper or third-party manager
- Vacation rentals (including seasonal operations)
- Properties located in Protection Class 9 and 10 areas
Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months.
Coverage Highlights and Advantages
Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures:
- Liability limits up to $1,000,000
- Medical Payments up to $10,000
- Loss of Use coverage for owner-occupied risks
- Personal Injury Protection
- Restaurant and host liquor liability available
- Scheduled personal property (fine arts, furs, jewelry, guns)
- Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years)
- Functional Replacement Cost for buildings older than 50 years
Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations.
Underwriting Highlights and Minimum Premium
LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts.
Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote.
Territories and Availability
This non-admitted program is available in the following states:
AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY
Why Work With Leavitt Recreation and Hospitality Insurance
With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space.
For all of your Bed and Breakfast Insurance risks, contact Leavitt today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas.
Can this program handle seasonal or part-time operations?
Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized.
What coverage is available for older buildings?
Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage.
How quickly can I get a quote or bind coverage?
LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority.
Is this an admitted or non-admitted program?
This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts.
Need help placing an account? Connect with a market specialist.