Bed and Breakfasts

What Does GL Code 45210 Cover?

ISO GL class code 45210 specifically covers establishments primarily engaged in providing lodging and breakfast services to guests, often in a residential setting. This code classifies operations that offer a more personalized and intimate experience than traditional hotels, including guest services and amenities typical of a home-like environment. It encompasses the unique risks associated with hosting guests in a private residence, including food preparation and property maintenance.

Who Uses This Class Code?

This code is utilized by small, owner-operated lodging businesses such as historic homes converted into inns, charming guesthouses, and boutique accommodations that emphasize a bed and breakfast model. It applies to individual proprietors and small business entities offering short-term stays with included morning meals.

Common GL Claims for This Class

Common claims for bed and breakfasts include guest slip-and-fall incidents on property stairs or wet surfaces, foodborne illness claims from breakfast service, and property damage caused by guests or related to facility maintenance issues.

Coverage Tips for Code 45210

• Ensure your policy includes adequate premises liability coverage, as guests are frequently on-site and potential slip-and-fall hazards are common.
• Verify that your general liability policy extends to cover food preparation and serving, especially if you offer more than just continental breakfast.
• Consider adding liquor liability coverage if you provide alcoholic beverages, even if complimentary, to guests.
• Review your policy for coverage related to unique amenities like swimming pools, hot tubs, or recreational equipment, as these can be sources of specific claims.