a result of conducting your B&B business.

      Also, how could you carry on your B&B business if you suddenly became incapacitated due to illness or accident? If help from family members or friends was not available, you would need to hire outside help to run your business while you were recovering. We recommend that you protect yourself with health and accident insurance.

      You are probably not covered under your existing homeowners’ policy, so you should check with your insurance company to see what special conditions they require to provide the extra coverage.

      If you are having your premises inspected by the fire, building, and health authorities, you should receive a better premium. It is also wise to shop around. Many insurance companies don’t want to get involved in the B&B business, so they will quote you a high premium in the hope that you will go elsewhere. A few insurance companies specialize in the small business field, and they can quote very competitive rates, particularly if you belong to a business group. Contact your nearest chamber of commerce or bed-and-breakfast association for advice.

      8. Document Your Costs

      Document any costs associated with the rules and regulations that affect the establishment of your B&B. Enter all of the costs that you have paid to date. Do not total your cost sheet at this time because some of the expenses will probably occur later in your start-up plans.

      Oscar’s Wilde Chili Sauce

      • 1 teaspoon allspice

      • 1 teaspoon whole cloves

      • 1 teaspoon cinnamon

      • 10 large tomatoes

      • 2 large onions

      • 1 hot red pepper

      • 2 medium apples

      • 1 cup white sugar

      • ½ cup vinegar

      Place allspice, cloves, and cinnamon into a cheesecloth bag and tie closed.

      Peel and cut up tomatoes and place in a large saucepan. Add chopped onion and chopped red peppers (without seeds).

      Peel, core, and chop apples and add to the onions and pepper. Add sugar, vinegar, and the spice bag.

      Boil the mixture for one hour or until thick, stirring occasionally. Remove spice bag.

      Cool and pour into sterilized jars.

      Serve as a condiment with any egg dish.