Insuring Your Hotel, Motel or ResortHotel Lobby

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.  

Eligible Properties include:                            

  • Full Service Hotels
  • Franchise Hotels
  • Boutique Lodging
  • Spa and Golf Resorts
  • Conference Centers
  • Non-Franchised Hotels
  • Dining, Bar and Entertainment
  • Resorts
  • Bed & Breakfasts
  • And more...

To begin your 'extended stay' with Top O' Michigan Insurance, please click the icon below to request a quote or contact us for more details. We are looking forward to speaking with you soon!

Quote your Business 


Our Hospitality program offers a broad selection of coverages for your building, inventory, equipment as well as protection against your loss of income if you're forced to close as a result of covered claim.  Some highlights include:

  • Business Income - Actual Loss Sustained
  • Card Key Systems
  • Computer Coverage
  • Emergency Evacuation Response
  • Equipment Breakdown
  • Fine Arts
  • Guest's Property - Inside Premises
  • Money & Securities
  • Ordinance or Law
  • Property Off-Premises
  • Reservation Systems
  • Spoilage
  • Utility Services - Business Income
  • Utility Services - Direct Damage
  • Water Back-Up from Sewer/Drains
  • And more...


In addition to your General Liability for the premises, our program delivers the important coverages hotel owners want including:

  • Additional Insured - Grantor of Franchise
  • Auto Liability
  • Bodily Injury and Property Damage
  • Contractual Liability
  • Crisis Response
  • Cyber Liability
  • Employment Practices Liability
  • Food Borne Illness
  • Hospitality Services Errors & Omissions
  • Liability for Guest's Property
  • Liquor Liability
  • Medical Payments
  • Professional Liability for Spa Services

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

PO Box 605
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664