Bed and Breakfast Insurance Program

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.

About Our B&B Program


ur active involvement in the trade associations for B&B’s allows us to better understand the challenges faced by innkeepers. This insight allows us to be responsive to the insurance needs of our innkeepers, and has made the Heritage Bed & Breakfast Program one of the strongest in the industry. Please contact us today to see how you can benefit!

Call Us Today At 1-800-220-6613

Coverage Highlights for Qualified Inns

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

Coverage for innkeepers personal liability and contents – this eliminates the need for a separate homeowners policy.

Liquor Liability

Host liquor liability for your occasional entertaining of guests.

Garage Liability

Garage-keepers legal liability is available, and protects you in case you park your guest’s car.

Fine Arts Coverage

Automatic coverage for fine arts up to $25,000, with higher limits available.

Liability Coverage

​Bodily injury, property damage, personal injury and advertising liability, premises liability and host liquor liability coverage included in most policies.

Business Income

Business income available if a covered loss temporarily closes your inn.

Flood Insurance

Not all floods happen at the shore. Heavy rains, snow melt, mudflows and flash floods along with hurricanes and windstorms all cause destructive flooding. Damage caused by flooding is not covered on your property policy- protect your business with a flood insurance policy.

What We Offer

Convenient Policies

One-stop shopping for all of your insurance needs: Business Property, General Liability, Crime, Inland Marine, Personal Contents and Liability are bundled into one convenient policy.

Flexible Payment Plans

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

Risk Management

Specialized risk management services for inn-keepers allows us to better control the exposures to loss that you face and better control premiums.

Workers Compensation

​In most states, it is mandatory to have workers compensation insurance to cover your employees in the event or injury on the job. We worked with leading carriers to dividend program and discounts for qualified inns.

Umbrella Liability

​Umbrella liability extends the liability limits of your underlying policies to $1,000,000 up to $10,000,000. High liability limits are necessary to protect your assets in the event of a liability claim to you personally as well as to your business. Bed & Breakfast Program policyholders enjoy a discounted rate on this important coverage.

Customized Plans

Our competitively priced B&B Program is designed to cover most insurable risks faced by B&B owners. We will add coverage as needed to tailor the program to your actual operations. The benefit to you is you only pay for the coverage you need.