QUICK QUOTE
Protect your bed and breakfast with customized insurance offered by specialized brokers
Offering a warm experience to your visitors is not enough: as a bed and breakfast owner, you must also anticipate the unexpected. A simple accident, water damage, or a dispute with a customer can jeopardize the viability of your business. Specialized insurance, offered by insurance brokers, allows you to cover all aspects of your business, while respecting your regional, tourist or seasonal particularities.
Why choose insurance adapted to tourist accommodations?
- Protection of guests and their belongings : in case of fall, injury or theft.
- Securing the building : fire, storm, water damage or vandalism.
- Professional civil liability : for any complaint or claim.
- Coverage of the activities offered : meals, hiking, Nordic baths, etc.
- Compensation in the event of interruption : temporary closure = loss of income.
Essential guarantees for a bed and breakfast
| Guarantee | Description |
|---|---|
| Civil liability | Protects against claims for injury or damage to a customer. |
| Fire and water damage insurance | Covers losses related to fire or flood. |
| Loss of income | Provides compensation if the activity needs to stop temporarily. |
| Theft and vandalism | Protects the property of the lodge against malicious acts. |
| Equipment breakdown | Covers repairs or replacements of critical facilities. |
Why compare insurance for bed and breakfast?
- Time saving: everything is centralized, fast, and online.
- Significant savings: you get the best guarantees at the best price.
- Expert advice: specialized brokers will help you make your choices.
- Tailor-made offers: depending on the size, location and services of your cottage.
- Simple, fast, no-obligation process.
Which insurers cover bed and breakfasts?
| Insurer | Overall satisfaction | Hospitality Expertise |
|---|---|---|
| Intact Insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Aviva insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐⭐ |
| The Unique | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| The Capital/Beneva | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Travelers Canada | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
Mon gîte touristique est-il couvert par une assurance habitation ?
No. As gîtes are commercial activities, they require specific commercial insurance.
IN BRIEF
B&B insurance
Bed and breakfasts (B&Bs) classified as CITQ must insure their residence as a commercial property (not a dwelling), with a minimum of $2 million in commercial liability, and coverage of guests’ property.
Special feature: your classic home policy does NOT cover commercial activity. Any disaster that happens to a guest would be refused. It requires a bed and breakfast/vacation rental policy.
Is it mandatory to insure my bed and breakfast?
It’s not legally mandatory, but highly recommended to protect your property, your guests, and your liability.
Que couvre exactement l’assurance pour gîte touristique ?
It typically covers buildings, liability, equipment, theft, loss of income and more.
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Protect your business at the best price
Our AMF-certified brokers compare several insurers to find you the best business coverage.