Food & Hospitality

Bed and Breakfast Insurance in Ontario

Your home is their stay. Cover both.

A B&B is a home operating as a hospitality business — and a standard home policy stops covering the moment paying guests arrive. Guest injuries, food service, and the building's dual use all need commercial treatment.

We write B&B packages that keep the residence and the business under one coordinated policy.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Guest liability including food service
Commercial property coverage for your premises and leasehold improvements
Contents and stock coverage for inventory, furnishings, and supplies
Business interruption to replace lost income after a covered loss

Good to know

Frequently asked questions

Won't my home insurance cover a few guest rooms?: No — paying guests are a commercial exposure home policies exclude, and undisclosed B&B use can void the whole policy. A B&B package covers the home, the rooms, and the breakfast in one.
How much does bed and breakfast insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get bed and breakfast insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Guest liability including food service

Commercial property coverage for your premises and leasehold improvements

Contents and stock coverage for inventory, furnishings, and supplies

Business interruption to replace lost income after a covered loss

Frequently asked questions

Won't my home insurance cover a few guest rooms?

No — paying guests are a commercial exposure home policies exclude, and undisclosed B&B use can void the whole policy. A B&B package covers the home, the rooms, and the breakfast in one.

How much does bed and breakfast insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get bed and breakfast insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.