Owning and operating your hotel comes with a number of rewards - however, this does not come without risks. You and your team have worked hard to make sure each guest's stay is top notch yet the biggest threats to your business can be protected by the right insurance program. Running a successful hotel is your expertise - insuring your hotel is ours.
As you may already know, hotels, motels, and resorts can be a magnet for lawsuits. Yet even when you've done everything you can to ensure a safe stay, guests may decide to sue and they tend to be large liability-related cases. This is where a tailored hospitality insurance program through Top O' Michigan Insurance will help.
Our team insures franchise hotels, motels, resorts and many other hospitality businesses throughout the Great Lakes States. We work with the top insurers in the country including exclusive hotel insurance programs with specialized coverage.
Plus, you qualify for our program even if your operations are franchised or non-franchised, include a restaurant, fitness center, pool and even exterior doors.
In addition to your General Liability for the premises, our program delivers the important coverages hotel owners want including:
In today’s hardening insurance market, pricing has become unpredictable. We help you navigate it.
| Risk Factor | Impact |
|---|---|
| Severe weather and disasters | More damage claims → higher property premiums |
| Liability lawsuits | Larger settlements → more expensive liability insurance |
| Inflation in repair/replacement costs | Increased claim payouts → higher premiums |
| Guest amenities (pools, spas, restaurants) | Increased operational risk → more coverage required |
| Construction Type (Frame, Masonry, etc.) | Frame w/o sprinkler → less companies |
| Property Type | Estimated Annual Premium* |
|---|---|
| Small Motel or B&B (10–30 rooms) | $7,000 – $15,000 |
| Mid-size Hotel (50–150 rooms) | $25,000 – $75,000 |
| Large Resort / Full-Service Hotel | $100,000 – $300,000+ |
*Actual premiums vary based on location, construction type, fire protection, amenities, claims history, and risk tolerance.
Bundle policies for savings
Maintain a clean claims record
Invest in risk mitigation (safety protocols, staff training)
Review coverage limits and deductibles carefully
Consider optional endorsements to close risk gaps
We work with you to design a cost-effective program that doesn’t compromise on protection.
“After two years of unpredictable premiums, TOM helped us restructure our hotel insurance. We got better coverage and almost a 20% savings with more stable renewal pricing."
— Franchise Hotel Owner, Northeast Michigan
We proudly support hotel and hospitality clients throughout Michigan including:
We also work throughout the Great Lakes states and the Midwest:
Alpena
514 N Ripley Blvd
Alpena, MI 49707
Local: (989) 356-6133
Hillman
150 State St
Hillman, MI 49746
Local: (989) 742-4574
Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684
Local: (231) 947-1164
Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935
Local: (906) 265-5137
Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770
Local: (231) 347-4610
Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401
Local: (989) 705-8664
Oscoda
PO Box 39
Oscoda, MI 48750-0039
Local: (989) 739-1461
