Bed and Breakfast Insurance

 Bed and Breakfast Insurance


Sterner Insurance Agency - Apple Valley, MN - Your Bed & Breakfast Insurance Professionals

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 Bed and Breakfast InsuranceRest easy with our coverage for residential homes operated as bed and breakfast establishments or country inns. you could worry about expensive claims as a result of an employee or member of the pubic being injured within your premises. Risk can be associated within many areas of your bed and breakfast establishment so by having a personalised and comprehensive business insurance policy will protect your business and you from financial loss.

General Liability

  • Primary Limits up to $3,000,000 Occurrence/Aggregate
  • Hired and Non-owned Auto
  • Innkeeper's Liability

Included Coverages:

  • Medical Payments Coverage - $5,000 Limit
  • Additional Interests


  • No Deductible Required


  • Basic, Broad or Special Form
  • Replacement Cost or ACV
  • Building
  • Contents
  • Business Income
  • Equipment Breakdown
  • Accounts Receivable
  • Computer Equipment
  • Outside Signs
  • Valuable Papers
  • Food Spoilage


  • Inside the Premises - Theft of Money and Securities
  • Outside the Premises

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Bed & Breakfast Insurance policy holders.