This is what we state in our policies that the guest must agree to before a reservation can be made:
Release
By acceptance of these policies, Guests agree to indemnify, defend and hold harmless the owners of XYZ Bed and Breakfast, L.L.C. and its representatives from all claims, disputes, litigation, judgments, costs, and attorney fees resulting from loss, damage or injury to Guests and occupants, and licensees of Guests. Owner recommends that Guests obtain and carry insurance to protect personal property.
Guests or their personal property, including vehicles, are not insured by the property owners against loss or damage due to fire, theft, vandalism, rain, water, criminal or negligent acts of others, or any other cause. Please read and understand our policies before making your reservation.