NAICS UNIVERSITY · Free research for insurance agents
Bed-and-Breakfast Inns
NAICS 721191 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in providing short-term lodging in facilities known as bed-and-breakfast inns. These establishments provide short-term lodging in private homes or small buildings converted for this purpose. Bed-and-breakfast inns are characterized by a highly personalized service and inclusion of a full breakfast in the room rate.
Start the review with guest liability.
For Bed-and-Breakfast Inns, the saved research highlights guest liability, innkeeper's liability, food service liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many guest rooms are operated, and what is the estimated annual room revenue?
- Is the building owner-occupied by the innkeeper, or is it leased?
- What is the age and construction type of the main structure — is it a designated historic property?
- What food and beverage services are offered — full cooked breakfast only, or also wine, cocktails, or dinner service?
- Are any events hosted on-site for non-registered guests, such as weddings, retreats, or private parties?
- Are any employees on payroll for housekeeping, kitchen, or maintenance roles?
- Are online booking platforms used, and how is guest payment and personal data handled?
- Has the property had any prior losses — fire, guest injury, foodborne illness, or theft claims?
Activities described by this code
Other activities to examine
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Bed-and-breakfast inns typically operate out of a private home or small converted building, offering a small number of guest rooms — often in the range of two to ten — with a full breakfast included in the room rate. Owners or innkeepers are frequently on-site, providing personalized service. Many B&Bs also generate supplemental revenue from gift shop sales, wine service, or small on-site events.
Questions to investigate
- How many guest rooms are operated, and what is the estimated annual room revenue?
- Is the building owner-occupied by the innkeeper, or is it leased?
- What is the age and construction type of the main structure — is it a designated historic property?
- What food and beverage services are offered — full cooked breakfast only, or also wine, cocktails, or dinner service?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.