Bed & Breakfast Insurance in York and Lancaster, PA

Protecting Bed & Breakfast Owners and Innkeepers in York and Hanover, PA

Owning and operating a bed and breakfast or inn is an exciting experience.  It is often a labor of love and can be financially rewarding, but owning and operating a bed and breakfast or inn comes with a lot of risks.  These risks need to be mitigated if one hopes to avoid paying significant out-of-pocket costs in the event of an unexpected incident.  Insurance mitigates these risks and keeps businesses and assets secure.  At the Jeffers Insurance Agency we provide this insurance and work with clients to make sure that their insurance gives them the most value. 

Specialized Coverage for your Lodge

Bed & breakfast insurance coverage is broad and applies to almost all lodging business owners; it is specific and applies to only a few lodging business owners as well.  No two lodges are alike and each lodge requires unique insurance.  For this reason, we tailor our insurance packages to individual clients.  This ensures that protection is complete and that protection is available at the right price. 

We source our coverages from numerous different insurance carriers, each of which is A-rated.  The coverages that these carriers provide are extensive and diverse, and diversity and extensiveness help clients create packages that are flexible.  Flexibility ensures that policies are always protective and represent the best value for policyholders.  

Our coverage options include:

Liability and other standard coverages

  • General liability
  • Workers compensation
  • Commercial auto liability
  • Liquor liability
  • Food-borne illness liability
  • Premises pollution liabilities
  • Cyber liability
  • Employment practices liability
  • Unemployment insurance
  • Disability insurance
  • Medical insurance
  • Business insurance

Property, assets, and other standard coverages

  • General property coverage
  • Equipment breakdown coverage
  • Business interruption coverage
  • Crime coverage
  • Food spoilage coverage
  • Utility interruption coverage

Optional coverages

  • Umbrella coverage
  • Guest relocation services
  • Event cancellation insurance

Liability insurance coverage sometimes needs clarification; it compensates policyholders for associated court costs and legal fees.  Aside from this individual coverage, lodging business insurance is a mix of homeowners insurance and business insurance, and it is unique.  We will help you find the right mix of coverages so that your operation is covered in the way it needs to be covered. 

Working with Jeffers Insurance to find a Solution

We have insured bed and breakfasts and inns for almost 20 years, so we know the risks that these lodges face.  We also know how to mitigate these risks through insurance.  We’re local agents, so we understand the needs of residents of and commercial enterprises in South-central Pennsylvania.  As a result, we are better able to deliver the right solutions than captive agents. 

More than insurers, we manage risk and claims also.  We help clients employ best practices, which reduce the exposures clients face and diminish the likelihood that exposures will translate into damages.  We also advocate for clients and help them achieve suitable resolutions, if and when claims are filed. 

If you would like to learn more, please contact us or give us a call.  You can also request a quote to find out some of the details about a policy. 

The Jeffers Insurance Agency proudly provides bed and breakfast insurance in York, Hanover, Lancaster, Harrisburg, Shrewsbury, and Mechanicsburg, PA. We also serve other areas in the state and we serve Maryland, New York, and Virginia as well.  

Jeffers Insurance Agency

Jeffers Insurance Agency

1010 Windsor Rd.

Red Lion, PA 17356

Main office: 717-850-9451
Toll free: 800-304-0739
Fax: 866-374-1985

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.