The Heritage Bed and Breakfast Insurance Program

An insurance program designed to meet the unique and specific needs of Bed & Breakfast establishments. We are currently licensed in the states of NJ, PA, MD, NY, FL, VA and DE. Our program is growing every day, so please check back or call to see where we are expanding next.

Heritage has the best solution for your B&B with our Superior Service.

For over 20 years, we have been the leading insurance agency of bed and breakfast inns in the Mid-Atlantic region, providing insurance coverage for over 125+ Inns. We've designed a product that meets the unique and specific needs of Bed & Breakfast establishments.

One Convenient Policy

One stop shopping for all your insurance needs. Property, Inland Marine, Crime, Liquor Liability, General Liability coverage bundled into one convenient policy.

Non-Auditable Policy

Your premium is based on the number of rooms available for your guests. Your general liability rate does not increase based on your receipts.

Personal Coverage Available

Coverage for your household personal property available. Personal Liability endorsement available for resident owners

Whether you run a cozy Bed & Breakfast on the Jersey shore, or a Country Inn in upstate New York, we offer an insurance program tailored specifically to fit your needs.

Have questions like what makes our program so unique? Check out our FAQs page for all of the most commonly asked questions about our Bed and Breakfast Insurance program.

Contact the leading insurance agency in the Mid-Atlantic region for Innkeepers and let our experts build you the perfect fitting policy for your business. Request A Custom Quote Today!

Why Choose Us?

1. Service Beyond the Contract

We understand that as an Innkeeper, your business operates 24 hours a day, both in season or out of season. We realize that we must be as accessible as well. All of our Innkeeper clients have 24-hour access to us- 7 days a week, 365 days a year. Our special claims hotline gets you the timely help you need in the event of a claim.

2. In Business Since 1974

‚ÄčOur longevity and experience in the insurance business and excellent, long-term relationships with the leading national and regional carriers led us to the start of the Heritage Bed and Breakfast Program. Today, over 70 insurance professionals will help you with all of your insurance needs.

3. One Stop Shopping

Our full-service independent insurance agency allows you the convenience of taking care of all of your insurance with us. In addition to our Bed & Breakfast program, we can help you with your personal insurance, such as automobile, recreation vehicles, boats, home- your other business needs such as business auto and workers compensation. Our life and health specialists can help you design a program to protect your family and your business with life insurance products, disability income, and individual or group health coverage.

4. Flexible Payment Plans

Payment plans are flexible to fit your budget. Installments of annual, quarterly or monthly are available.

5. Leading Insurer of B&Bs for Over 20 Years

The Heritage Bed & Breakfast program brought to you by Thomas H. Heist Insurance Agency, Inc. is a leading insurer of bed and breakfast inns in the Mid-Atlantic area for over 20 years. Our involvement in the B&B trade groups provided insight into the unique needs of the B&B owner. We worked with leading insurers to develop this specially- designed program that contains the coverage you need as a homeowner and business owner, all in one policy. And additional coverage is available to add to the program to suit your individual establishment.