Resorts and Lodge Insurance

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Do You Have the Right Resorts and Lodge Insurance in Minnesota?

Minnesota has some of the best vacation spots in the USA. Whether you like fishing, hunting, lying on a beach, biking, snowmobiling, skiing, or a number of fun outdoor activities, you can find them here. When you stay at one of our resorts, you will enjoy a warm and relaxing time away from the maddening crowd. At the same time, you won’t be too far from the conveniences of civilization. Running a lodge here can be a satisfying and lucrative business and having the proper insurance is essential for effective risk management. Contact Insurance Brokers of MN today for your free quote 1-877-323-3314.

In fact, if you don’t get the proper coverage for all aspects of your resort business, you could experience problems like Barney L in our example story.

Barney and his wife Lindy loved the outdoors and after years of working hard and saving, they were able to put a down payment on a great lodge and resort between Minneapolis and Fargo. The place was situated in the wilderness but had some excellent cottages and some of the best fishing and hunting in the area. In addition, they also purchased a boat rental service on a nearby lake and people could buy things they needed from their tackle and bait shop.

Lindy and Barney loved their resort and they made sure to take out sufficient liability insurance for their property and boat rental business. However, Barney forgot one important aspect which every business should have. For years, he didn’t have adequate commercial property insurance for his rental units, and he didn’t even realize it.

Lindy’s friend Joan owned a fitness club in a nearby town and she told Lindy about her new insurance broker. The man was very knowledgeable and got her a great deal on her business insurance. Lindy talked Barney in to visiting the man and he was very helpful. In fact, they took out a new policy on their business with some important options.

Four months later, a line of strong thunderstorms swept across the state, spawning a number or tornadoes and one touched down at Barney and Lindy’s resort. Seven of the 15 rental units were virtually destroyed and four others suffered significant damage.

Thankfully, Barney had taken out replacement cost coverage on his rental units, four months earlier. If not, the payout for the damages would have been more than $40,000 less than the cost for replacing the units. It would have been enough to cause the Lodge to experience significant financial problems. This is only one example of why you need an insurance professional on your side, when you run a business.

What is Lodge and Resort Insurance?

If you run a lodge or resort you have many different insurance needs. In fact, here are some of the coverage items you may require:

  • Property insurance
  • General liability
  • Workers compensation for employees
  • Liquor liability insurance
  • Boat insurance
  • Employment practice liability insurance
  • Cyber and data insurance coverage
  • Commercial auto insurance
  • Crime insurance
  • Excess / umbrella insurance coverage
  • Flood insurance
  • Inland marine insurance
  • Special property and liability coverage for owner/residents

Options for Lodge or Resort Insurance

You may need a number of insurance coverage options, depending on the kind of business you run. This may include:

  • Campground sites and buildings
  • Cabins and lodge insurance
  • Charter boat insurance coverage
  • Fishing guide liability insurance coverage
  • Watercraft insurance
  • Marina liability insurance
  • Recreational vehicle insurance
  • Track vehicle insurance
  • Umbrella liability coverage
  • Cyber liability insurance
  • Additional insurance for businesses like tackle shops and specialty shops
  • Pollution cleanup services (part of boat insurance)
  • Inland marine coverage
  • Liquor liability
  • Product liability insurance – covers food borne illnesses

    Want to find an agent near you?

    Insurance Brokers of MN – Your Resort, Lodge and Campground Insurance Expert

    Were experts in the resort industry where you’re a destination fishing, or vacation resort in Minnesota, Wisconsin, North & South Dakota we can help you design a custom insurance plan to fit the unique needs of your business.

    We offer insurance coverage for your resort if you have horseback riding, shooting sports, and boating activities, we expect the resort may have its own golf course, tennis facility, or marina, we have programs for campgrounds.  As with all our specialty programs, our ability to custom design the proper coverage at the best price is unsurpassed.

    Learn more about your options for your resort, lodge, or campground insurance coverage by filling out our Protection Savings Form below right away or call us today.


    Agents located in: Anoka, Ada, Altoona, WI, Bemidji, Blaine, Brandon, Brooklyn Center, Buffalo, Burnsville, Byron, Coon Rapids, Cambridge, Cannon Falls, Dawson, Duluth, Forest Lake, Graceville, Grand Forks, Ham Lake, Hermantown, Hudson, Inver Grove Heights, Isanti, Jordan, Lino Lakes, Little Falls, Medina, Minneapolis, Pequot Lakes, Princeton, Ramsey, Redwood Falls, Rogers, Richfield, St Cloud, St Paul, Thief River Falls, Vadnais Heights, Waconia, Wheaton

    Want to find an agent near you?

    If you would like more information on Personal Risk Management, you can call us at 1-877-323-3314, or fill out the quote form and we’ll contact you.