Small Business Insurance for Bed & Breakfasts

As a bed & breakfast owner, we understand you are passionate about curating a cozy and welcoming getaway for your guests. While you deliver a memorable experience, from comfortable accommodation to personalized service for a ‘suite’ stay, allow TD Insurance to provide you peace of mind by helping you choose a customized business insurance policy. This way you can continue to deliver exceptional hospitality, so your customers have no reservations about their stay.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Bed & Breakfast Insurance is recommended for:

  1. Bed & Breakfasts

  2. Bed & Breakfast Cottages

  1. Country Inns

  2. Farm House Bed & Breakfasts

Why You Need Bed & Breakfast Small Business Insurance

  • Protection from theft

    If your Bed & Breakfast is broken into and cash is stolen from the reception counter.

  • Accidents happen

    If a customer slips in the washroom during their stay and you are liable.

  • Protect your Property & Equipment

    Protect your building, furniture and linens from damages caused by insured events.

  • Business Income / Business Interruption

    Shield your income if your Bed & Breakfast is temporarily shut due to an insured event.

Let’s get you started with a quote

Coverage Options for Bed & Breakfasts


It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

TD Insurance Savings Commitment

Along with customizing a policy to fit your business's needs, TD Insurance is committed to savings. We may be able to offer you additional discounts – speak to a licensed TD Insurance Advisor today.

  • Bundle your small business insurance policies and save

  • Alumni and Professional Group Discounts1

  • Discounts for TD Small Business Banking Customers2

Claim Scenarios for Bed & Breakfasts

Potential Claim:

One of your guests has completed their stay and checked out. As you are preparing the room for the next booking you discover paintings are missing from the wall, and the bed frame and carpet are damaged.

Potential Outcome:

Your commercial property policy may respond by covering the functional replacement cost of the missing paintings, as well as the cost to repair/replace the bed frame and carpet.

Potential Claim:

Your employee has gone out to pick up supplies for your Bed and Breakfast in the company vehicle. While making a left turn, they are involved in a collision with an oncoming third party vehicle. The airbags deploy, causing the employee to sustain some minor burns.

Potential Outcome:

Your commercial auto policy may cover the cost to repair/replace the company vehicle as well as any medical expenses due to injuries sustained by your employee during the collision.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

  • Call us by Phone

    Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

Have a question? Find answers here