Exclusive Bed and Breakfast Umbrella Program from Great Point Insurance
If you’re an agent or broker placing umbrella coverage for bed and breakfast clients, Great Point Insurance offers a focused solution. Through www.UmbrellaPro.com, you can instantly quote, bind, and issue policies—streamlining placement and delivering fast service to your insureds.
This exclusive Bed and Breakfast Umbrella program is backed by an "A" Rated, admitted carrier and is tailored to the specific liability exposures that come with operating a bed and breakfast. Whether your client hosts extended guest stays, serves food and beverage, or holds small on-site events, this program helps manage those risks with admitted umbrella protection.
Ideal Accounts and Appetite
The program fits standalone bed and breakfast operations, boutique inns, and guesthouses that provide overnight lodging and meals. Properties that host small events, wine tastings, or provide limited on-site alcohol service are also typically eligible.
Examples of good-fit accounts include:
- A historic 8-room inn in Vermont offering weekend packages with local tours and supervised wine service.
- A coastal bed and breakfast in California that hosts small weddings and private dinners.
Operations with significant commercial restaurant or bar components, or those functioning more like full-service hotels, may be outside the preferred appetite.
Coverage Highlights and Advantages
- Umbrella limits up to $5 million
- Minimum premium starting at $750
- Follow form auto and follow form liquor liability available
- Admitted paper with an "A" Rated carrier
- Instant online quoting, binding, and issuance via UmbrellaPro.com
- Available nationwide
Underwriting Considerations
Risks must meet baseline underwriting criteria for bed and breakfast operations, including appropriate licensing and general safety compliance. Liquor liability must be supported by an acceptable primary policy. The program’s minimum premium applies; final pricing depends on exposures, limits, and underwriting details.
Territorial Availability
This program is available nationwide, including all 50 states and the District of Columbia. Whether a risk is in a rural New England town or a busy West Coast tourist market, you can place umbrella coverage through Great Point Insurance.
Why Work With Great Point Insurance?
Great Point Insurance is a program administrator focused on niche hospitality markets. With UmbrellaPro.com, agents gain instant access to rate, quote, and issue tools that reduce placement friction and speed turnaround. The program pairs tailored coverage language and admitted paper with an experienced underwriting appetite for bed and breakfast exposures.
Need help placing an account? Connect with a market specialist.