Utica National's Bed & Breakfast and Country Inns Program

Utica National Insurance Program for Bed & Breakfast and Country Inns As a bed and breakfast or country inn owner, your establishment is not only your livelihood, but also your home. From furnishings and decorations to the grounds and buildings themselves, you have a lot to protect. That's why Utica National offers the coverages you need in one convenient package.

In addition to insurance coverage tailored to your needs, our experienced professionals in underwriting, claims, loss control and risk management will work hard to serve you and protect your operation from the uncertainty of a potential loss. All at a price you can afford.

Our program features:

Replacement cost for building and contents - An actual cash value policy pays the cost of the damaged item minus depreciation, which may leave you unable to purchase a replacement. Our replacement cost coverage pays to replace the damaged item.
Loss of business income - The time it takes to return your business to profitability after a fire or other loss can be financially devastating; that's why we offer up to 12 months of coverage for loss of business income to help you recover.
Liability - Having guests all day and night brings added liability not faced by 9:00 to 5:00 businesses. Our coverage includes bodily injury, property damage and host's liquor liability for complimentary beverages.
Personal exposures - We cover your personal belongings and liability on the same policy as your business.
And more!

To learn more about our program for Bed and Breakfasts and Country Inns, contact a local independent agent near you who represents the Utica National Insurance Group. As someone who lives and works in your community, your independent agent can assist you in determining your coverage needs, and help you to decide if Utica National is the right choice for you.

The Utica Advantage

In developing our Bed and Breakfast and Country Inns Program, our goal was to create insurance that truly meets your individual needs. The result is a program that provides coverages you won't find on a typical commercial policy, including increased protection for:

Jewelry
Silverware
Furs
And Money & Securities both on and off premises

In addition, Utica has established Safety Groups for your industry. These programs can result in substantial savings in the form of dividends* to policyholders when their group's combined loss experience is favorable.

Contact your local independent agent today to learn more about the advantages of insuring with Utica National.

* By law, dividends cannot be guaranteed. Some coverages and programs may not be available in all states.