5 Common Claims Made by Michigan B&B Owners

Nikki Skrocki | Jun 02 2025 20:00

Introduction

 

Running a bed and breakfast (B&B) in Michigan comes with its unique challenges, one of which is managing insurance claims. Understanding common claims and how to mitigate them can save B&B owners time, money, and stress. Let’s explore five prevalent insurance claims and practical steps to avoid them.

 

1. Liability Claims from Slip and Fall Incidents

 

Slip and fall accidents are a frequent source of claims, especially during Michigan’s icy winters. To minimize risks:

  • Ensure all walkways are well-lit and free from obstructions.
  • Regularly salt and shovel pathways when snow or ice is present.
  • Conduct routine inspections and promptly fix any hazardous spots, such as loose rugs or wet floors.

2. Property Damage from Weather-Related Events

 

Michigan's varied climate can lead to property damage from storms or heavy snow. B&B owners should:

  • Regularly maintain roofs and gutters to prevent damage during heavy rain or snow.
  • Install storm shutters and consider reinforcing windows and doors.
  • Keep an up-to-date property inventory for insurance purposes.

3. Foodborne Illness Claims

 

Serving breakfast means there’s a risk of food-related claims. To reduce this risk:

  • Ensure rigorous hygiene practices in food storage and preparation.
  • Train staff on proper food handling techniques.
  • Consider getting additional insurance coverage specifically for foodborne illnesses.

4. Fire and Smoke Damage

 

Even with preventive measures, fires can happen. Mitigation strategies include:

  • Installing and regularly testing smoke detectors and fire extinguishers.
  • Conducting regular fire drills and safety briefings with all staff.
  • Implementing a strict no-smoking policy and creating designated smoke-safe areas.

5. Theft and Vandalism

 

Unfortunately, theft and vandalism can occur at any property. To safeguard your B&B:

  • Install security cameras and robust locking systems.
  • Educate your staff to be vigilant and report any suspicious activity.
  • Ensure insurance covers vandalism and theft-specific losses.

Conclusion

 

While insurance claims are unavoidable for many B&B owners, understanding common issues and enacting preventive measures can significantly lower the frequency and impact of such claims. By proactively managing risks, Michigan B&B owners can focus more on providing memorable experiences for their guests and less on navigating insurance claims.