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Tourism runs Michigan, and the property that welcomes those visitors carries risk that a generic business policy wasn't built for — guest property, pools and spas, restaurants and bars, and the kind of liability claims that follow. Top O' Michigan builds hospitality coverage around how your property actually operates and shops it across our carrier panel.
Every amenity that makes a stay memorable — the pool, the spa, the restaurant, the bar, the conference space — also widens your liability. Add severe Michigan weather, rising repair costs, and the realities of construction type, and it's clear why hospitality belongs with an agent who works in it rather than around it.
We insure properties of all sizes and shop your coverage across multiple carriers so the policy matches your operation, not a one-size template.
Beyond standard property and liability, these are the coverages that matter most for hotels and resorts.
Protection for guests' belongings while they're staying at your property.
For properties serving alcohol in a bar, restaurant, or at events.
Including carbon monoxide and Legionnaires' disease exposure — commonly excluded elsewhere.
Professional liability for spa and salon services offered on site.
Response coverage when illness is traced to your kitchen or dining operation.
Coverage for the key-card and reservation technology your property runs on.
Errors-and-omissions protection for the services you provide guests.
Evacuation response expense and coverage for fine art and decor on premises.
A complete program can bring property, liability, and additional solutions together in one place. Your agent builds it around how your hotel, motel, or resort actually operates. Coverage is subject to underwriting.
Insuring a property well starts with understanding what's changing the risk. Severe weather, larger liability settlements, and inflation in repair and rebuilding costs all push exposure higher — and the more amenities you offer, the more ways a claim can start. Even your construction type plays a role in which carriers will write the property and on what terms.
We work with you to design a cost-effective program that doesn't compromise on protection.
We write hotel, motel, and resort coverage across the region's tourism communities — including Alpena, Beaver Island, Cheboygan, Mackinaw City, Harbor Springs, Petoskey, Gaylord, Traverse City, Sault Ste. Marie, Escanaba, Marquette, Frankenmuth, Houghton Lake, East Tawas, Oscoda, West Branch, and Clare. If your property welcomes Up North visitors, there's a local agent nearby who knows your market.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your property.
Watercraft and piers, guest liability, spoilage, and more for Michigan campgrounds and RV parks.
Equipment, watercraft, participant and professional liability for fishing and hunting guides.
Short-term rentals, landlord lessors risk, and vacant property for Up North owners.
Coverage for carbon monoxide, Legionnaires', and other contamination losses GL excludes.
It can include commercial property, general liability, guest property, liquor liability, pollution (such as carbon monoxide and Legionnaires’), and spa or professional liability — packaged for hospitality. Coverage is subject to underwriting.
You can be. Guest property (innkeeper’s liability) addresses claims for guests’ belongings damaged or stolen on your premises, within the limits set by your policy and law.
If you serve alcohol — in a restaurant, bar, or at events — yes. Liquor liability covers claims that general liability typically excludes.
Hospitality carries real environmental exposures — carbon monoxide, Legionnaires’ disease from water systems, and pool chemicals. Standard policies often exclude these, so pollution coverage fills the gap.
Yes — full-service and franchise hotels, boutique properties, spa and golf resorts, conference centers, and bed & breakfasts. Coverage is tailored to your property.
Get hospitality coverage shaped around how your hotel, motel, or resort really runs. Talk with a local Michigan agent today.
