Business Insurance for Cape May Inns and Shops
Tourism is Cape May’s biggest industry: historic hotels, B&Bs in Victorian houses, restaurants, Washington Street Mall shops and fishing and whale-watching boats. Guest liability, business income and historic rebuild costs come first.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
What does a B&B need?
Property, guest liability, liquor if you serve, and business income.
Can a B&B be on a homeowners policy?
Usually not. It needs a commercial or B&B policy.
Is flood covered by a business policy?
No.
Can you insure businesses elsewhere?
Yes.
Cape May businesses.
Inns and B&Bs
Property, guest liability and business income.
Restaurants
Liquor and spoilage.
Shops
Property and liability.
Charter and Tour Boats
Hull and passenger liability.
What these businesses usually carry.
| Business | Core coverages | Often missed |
|---|---|---|
| B&B / inn | Property, guest liability | Ordinance or law; flood |
| Restaurant | BOP, liquor liability | Business income |
| Shop | BOP | Flood |
| Tour boat | Hull, passenger liability | Crew |
Running a business in Cape May?
Tell us what you do.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“Great service, well priced policy, and super happy with the experience overall.”
“Rebecca was extremely helpful and easy to work with i highly recommended her and anyone on the Stonebrook team for all your insurance needs!”
“I have been a client of Stonebrook for many years for both commercial and residential policies. They check so the boxes. Professional, knowledgeable, pleasant to deal with.”
More for Cape May homeowners.
What Cape May homeowners ask us.
Can you insure a business in other states?
Yes. Stonebrook places commercial insurance nationwide.
Sources for this page
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
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