Top things to cover
Number of rooms
What meals provided
Commercial kitchen
Occupancy rate and months open
Hot tub or pool
Pets allowed
Entertainment or other facilities provided
Photos
Sample room
Interior of common areas
Kitchen
Yard and exterior areas
Inspection PrepÂ
Online search for website and social media to verify advertised vs. actual operations
Here is a checklist for doing an insurance property inspection on a bed and breakfast:
Property information: Collect information about the bed and breakfast, including the address, the size of the establishment, and the number of guest rooms.
Access: Determine the accessibility of the establishment, including the type and condition of the entryways, walkways, and parking areas.
Building structure: Inspect the condition of the building structure, including the foundation, roof, walls, and windows, looking for signs of damage, wear, or deterioration.
Fire safety: Check for smoke detectors and fire extinguishers on each floor, as well as the availability of fire hydrants and access for emergency vehicles. Bed and breakfast establishments pose additional fire risks due to the presence of cooking facilities and heating equipment.
Electrical safety: Check the condition of electrical equipment, looking for damaged cords or other hazards, and verify that electrical outlets and switches are properly rated for the equipment they serve.
Plumbing: Check the condition of plumbing systems, looking for leaks or other issues that could cause water damage or pose a safety risk to guests.
Kitchen facilities: Evaluate the safety measures in place for food preparation and storage, such as ensuring that cooking equipment is properly maintained and that food is stored at appropriate temperatures.
Guest rooms: Check the condition of guest rooms, including the condition of the furnishings and bedding, and verify that smoke detectors and other safety features are in working order.
Sanitation: Evaluate the sanitation measures in place, such as the cleanliness of the facility, the availability of hand sanitizer or other sanitation products, and the maintenance of restrooms.
Capacity: Verify that the establishment is not exceeding its capacity limits, and evaluate the adequacy of emergency exits and egress routes in case of an emergency.
Liability risks: Identify any potential liability risks, such as uneven pavement, loose steps, or other hazards that could pose a risk to guests or visitors.
Insurance coverage: Verify that the bed and breakfast has adequate insurance coverage to protect against liability and property damage.
Once the inspection is complete, compile a report detailing your findings and any recommendations for improvements or repairs to help mitigate risks and ensure that the bed and breakfast is adequately protected by insurance.