United Insurance Agencies is a large successful insurance agency, whose history includes a group of hotel owners based in Tennessee…who have expanded into what is now known as AAHOA (Asian American Hotel Owners Association). United Insurance Agencies is an original founding sponsor of AAHOA.
Because of our interest and passion for the hospitality industry, the progression into Bed and Breakfast properties was a natural transition. In 2005, United Insurance Agencies and Karmen Ward –Ailes
became the preferred agent for the Indiana Bed and Breakfast Association.
We have been insuring hospitality properties for more than 23 years - in over 40 states. We are familiar with the special needs associated with hospitality properties, whose main focus is guest safety, comfort, and a positive customer experience.
Some examples of coverages the Bed and Breakfast owner should consider are;
- Replacement Cost coverage as opposed to Function Replacement Cost coverage
- Household Personal Property Coverage
- Business Income and Extra Expense Coverage
- Ordinance or Law Coverage
- Personal Liability (for the owner and members of the household)
- Guest Inconvenience Coverage