Bed & Breakfast Insurance for Inns Across Michigan & Wisconsin
Protect Your Inn, Your Property & Every Guest Stay
Running a bed & breakfast means offering a warm, memorable experience to every guest who walks through your door. But behind the charm is a business — one that comes with very real risks. That’s where we come in. We offer specialized insurance for B&Bs across Michigan, Wisconsin, and beyond, with coverage designed to protect both your home and your livelihood.
Whether you operate a lakeside inn, a historic Victorian, or a seasonal retreat up north, we’ll help you find the right protection for your property, guests & income.
Who This Coverage Is For
Designed for Michigan’s Independent Innkeepers
Our B&B program is built specifically for small lodging businesses that offer overnight stays, including:
- Owner-occupied bed & breakfasts
- Historic homes operating as inns
- Multi-room guest houses
- Seasonal or year-round operations
- Hybrid lodging businesses with event space or meal service
From Mackinac Island to Sturgeon Bay to quiet towns along the lake, we insure some of Michigan & Wisconsin's best-known B&Bs. We understand your risks — and how to cover them the right way.
Insurance That Protects More Than
Just Your Building
Because your B&B is both a home and a business, your coverage should reflect that.
We build custom packages that may include:
Property Coverage
For your main inn building, guest rooms, detached structures, furnishings, décor & supplies.
Liability Insurance
Protection in case a guest slips, becomes injured, or sues due to an accident on your property.
Business Income
Covers non-collision incidents like theft, vandalism, or natural disasters, keeping your car protected in all situations.
Food & Hospitality Liability
Coverage for food-related claims, allergic reactions, or illness related to breakfast or snack service.
Liquor Liability (Optional)
Available for inns that serve wine, cocktails, or hold tastings as part of the guest experience.
Personal & Guest Property
Optional coverage for guest belongings and any personal property not covered under a standard home policy.
Workers’ Comp & Umbrella Coverage
Add-ons available for B&Bs with staff, housekeepers, or expanded operations.
We'll walk you through every option — no guessing, no confusion. Just clear answers and a policy tailored to your inn.
Why It Matters
B&B Insurance Isn’t a Standard Home or Business Policy
Standard homeowners or business insurance policies often leave gaps when it comes to inns. Why? Because your B&B blends personal space with public access, and that creates unique exposures. Most homeowners policies exclude liability for paying guests. Many business policies don’t factor in the residential nature of your building.
That’s why working with a local agency that understands both hospitality & property concerns in Michigan and Wisconsin is so important.
Three Ways We Help
Why Innkeepers Work With Us
Michigan & Wisconsin Experience
We insure B&Bs throughout Michigan & Wisconsin — from popular tourist towns to quiet rural areas. We know the seasonal challenges, regional regulations & real-world claims that come with your industry.
Industry Relationships
Our B&B program is recognized by regional hospitality associations. We can provide references from current innkeepers we work with.
Personal Service
We take the time to understand your business model, building, and guest experience — then build a policy that fits.
Bed & Breakfast Insurance Questions
Do I need separate insurance for my B&B if I live there full-time?
Yes. Even if your B&B is your primary residence, most standard homeowners policies won’t cover liability or income loss from paying guests. A B&B policy combines personal & commercial protection in one package.
What if I only operate seasonally?
We work with several carriers that allow for seasonal operation or variable income. We’ll find a policy that matches your open months and guest volume.
Can I get coverage if I host small events or serve alcohol?
Yes — as long as we know ahead of time. We can include optional liquor liability or expanded liability for events like elopements, tastings, or community gatherings.
Does the policy include coverage for guest injuries or lawsuits?
It can. General liability is a key part of a B&B policy and helps protect you if a guest slips, trips, or files a claim related to their stay.
What if I have multiple guest buildings or cottages on my property?
We can build a plan that covers each structure — the main inn, detached cottages, cabins, or converted garages — under one policy.
Let’s Make Sure Your Inn Is Fully Protected
You’ve put your time, money & heart into building a great guest experience. Don’t let a gap in coverage put that at risk. We’re here to help you build a solid insurance plan that fits your property, your season, and your style of hospitality.