Skyscraper offers a unique product designed for those that use their property for the purpose of a Bed and Breakfast operation. The Skyscraper team crafts package policies to cover both Property and Liability as well as any Personal Liability exposure for owner-occupied properties. There are no restrictions on protection classes and no age limit if the property has been updated within the last 35 years.
Eligible operations include secondary and vacation rental properties, risks serving liquor, non-owner occupied properties, properties with inspected knob and tube wiring, properties under renovation, seasonal properties, risks with prior claims activity, risks with additional activities on the premises (i.e. fishing, boating, exercise facilities), and risks offering wedding or reception areas.
Coverage highlights include:
- Full Replacement Cost on all structures for updated risks less than 50 years of age
- Replacement Cost on Contents
- Loss of Business Income
- Restaurant Liability
- Scheduling for special items of Personal Property
- Equipment Breakdown
- Host Liquor Liability
- Fair Rental Value with no limitation on a per room basis
- Property Extension Endorsement increased limits for:
- Accounts receivable
- Employee dishonesty
- Monies & securities
- Outdoor property
- Personal property of others
- Property in transit
- Property off premises
- Spoilage
- Valuable papers & records (other than electronic data)
- Available Credits for Association, Protection Device, Deductible, Renewal