Bed & Breakfast Program
B&B PhotoOregon's premier independent agency dedicated to your Bed & Breakfast insurance program. Don't settle for a cut and paste insurance policy. WSC Insurance will provide a program specifically designed to fit the needs of the Bed & Breakfast industry.
Our Bed & Breakfast Insurance Program, written with an Oregon domiciled insurance company, has the answers specifically designed to meet the needs and objectives of the B&B industry by offering coverages all in one policy as follows:
  • Building coverage; including older, renovated properties
  • Business Personal Property
  • General Liability at minimum coverage limits of $1,000,000 per occurrence
  • Business Income limits based on your Actual Loss Sustained
  • Equipment Breakdown
Specialized coverages for the Bed & Breakfast industry including:
  • Liability for property of guests
  • Wake up call Errors and Omissions Liability
  • Liquor Liability
  • Personal Property of the Innkeeper (no additional policy needed to cover owners personal property)
  • Comprehensive Personal Liability for the Innkeeper (no additional policy needed to cover owners personal liability)
  • Spoilage Coverage
  • Food Contamination Business Income and Extra Expense
Oregon Bed & Breakfast Guild
Click here to review the Oregon Mutual Bed & Breakfast Program Brochure
Higher limits are available for many of the coverages shown including Umbrella Liability coverage. For more details on this Bed & Breakfast Insurance Program and how it may specifically fit your needs, please contact David A. Harrison at 503-357-3154 or by e-mail at