Quote: (05-30-2015 07:04 AM)tarquin Wrote:
I just googled "bed and breakfast insurance." I don't know what the going rates are, but it appears as if you can get insurance for running an airbnb hotel from your house.
I have a fair bit of experience trying to get insurance and merchant policies for out of the box businesses or even businesses deemed high risk.
For ecommerce for example something as simple as having a brick and mortar along with your ecommerce biz for some reason makes insurance companies and/or merchant processors alot more comfortable with you. I guess they view you as more established, more professional, more vested.
I would imagine when it comes to b&b insurance, someone who actually has setup a real b&b buisness is viewed differently than someone who took 2 minutes to setup an account on an AirBNB site and is now renting their place.
I would imagine one of the questions on forms would be do you have a website, how to you book your place. Someone who is on all these different b&b booking sites, orbitz or similar sites etc is going to have an easier time than someone just on airbnb.
I'm just speculating here but I would guess thats the case.
Just doing a quick google search there's many a blog post that people say the AirBNB gurantee is empty and is menat more to supplement your own policy, not to be thought of as insurance.