Insuring Your Bed & Breakfast
Insuring Your Bed & Breakfast Designed with the Needs of Your Bed & Breakfast in Mind Running a successful Bed & Breakfast can be a difficult business. There are guests to please, employees to manage and property to maintain. That’s why when it comes to insurance, having an agent and insurance company that understand your needs is critical. Michigan Millers Bed & Breakfast Insurance Program is the result of working with lodging owners for more than 30 years and understanding the challenges they face. The program offers you a wide range of competitively priced insurance coverages and service that can be customized to fit your needs.
For more information, please call the Michigan Millers agent nearest you.
This brochure is intended to give general information only. For full coverage details, please refer to the actual policy, forms and endorsements.
Michigan Millers Mutual Insurance Company 2425 East Grand River Avenue Lansing, MI 48912 800.888.1914 w www.mimillers.com B65 1211
A High Level of Flexibility and Protection
Broad Liability Coverage
Michigan Millers’ Bed & Breakfast Insurance Program is designed to address the needs of your business. From Property and Liability Insurance, Workers’ Compensation and Commercial Auto to Umbrella Liability, it lets you cover all the bases with a single, comprehensive program. Best of all, because you have the flexibility to select the coverage you need, you don’t end up paying for protection you don’t want.
You get liability protection specifically designed for your business, including:
Specialized Property Insurance The program offers a broad selection of coverages for your building, furnishings and equipment as well as protection against loss of income if you’re forced to close as the result of a fire or other disaster. Highlights include coverage for: • Building and/or Personal Property–insures against damage from fire, smoke, lightning, wind, water, collapse, vandalism and theft. • Business Income–protects against a loss in income resulting from a covered loss. • Extra Expenses–pays costs over and above normal expenses if you’re forced to rent equipment, furnishings, etc., as the result of a covered loss. • Equipment Breakdown • Outdoor Property and Property in Transit or Off Premises • Water Backup from Sewers and Drains • Computers and Software • Glass, Signs and Awnings • Theft, Disappearance and Destruction • Food Spoilage/Contamination • Ordinance or Law Coverage–covers the costs associated with upgrades to comply with new code if there’s a loss.
• Protection for Bodily Injury and Property Damage claims that occur on your premises • Coverage for Medical Payments resulting from injuries to others that occur on your premises or as a result of your business • Personal and Advertising Injury Coverage • Hired/Non-Owned Auto Insurance–provides Liability Protection for leased or rental cars and covers employees if they use their automobiles for your business. • Liquor Liability–protects you against claims involving an intoxicated person who was served liquor in your establishment. • Personal Supplement Coverage Available
Your Choice of Options A selection of coverage options and deductibles gives you greater control over the cost of your insurance and the ability to increase coverage amounts or obtain additional protection, such as: • Antiques • Ordinance or Law • Liability for Guests Property
Other Important Coverages • Commercial Auto insurance covers vehicles you own, hire or borrow, as well as other non-owned vehicles used in your business. • Workers’ Compensation pays for medical care and physical rehabilitation of injured workers. This also helps to replace lost wages while they are unable to work. • Commercial Umbrella gives you additional liability protection above and beyond the coverage provided in your basic policy.
• Equipment Breakdown Insurance covers damage caused by the malfunction or breakdown of mechanical, electrical or pressure equipment, including: air conditioners, boilers, electrical, telephone and computer systems.
Local Claims Service Designed to Keep You in Business In the event of a claim, effective and timely response is critical. You will work with people who understand what it takes to get you back on your feet. We work closely with your insurance agent to handle the claim quickly, fairly and efficiently.
To Learn More Michigan Millers’ Bed & Breakfast Program is available exclusively through a select network of independent insurance agents who are carefully chosen based upon their experience, professionalism and reputation for outstanding customer service. For more information on how you can put this program to work for you, call the Michigan Millers agent nearest you.
For more information, please call the Michigan Millers agent nearest you.
This brochure is intended to give general information only. For full coverage details, please refer to the actual policy, forms and endorsements.
Michigan Millers Mutual Insurance Company 2425 East Grand River Avenue Lansing, MI 48912 800.888.1914 w www.mimillers.com B65 1211
A High Level of Flexibility and Protection
Broad Liability Coverage
Michigan Millers’ Bed & Breakfast Insurance Program is designed to address the needs of your business. From Property and Liability Insurance, Workers’ Compensation and Commercial Auto to Umbrella Liability, it lets you cover all the bases with a single, comprehensive program. Best of all, because you have the flexibility to select the coverage you need, you don’t end up paying for protection you don’t want.
You get liability protection specifically designed for your business, including:
Specialized Property Insurance The program offers a broad selection of coverages for your building, furnishings and equipment as well as protection against loss of income if you’re forced to close as the result of a fire or other disaster. Highlights include coverage for: • Building and/or Personal Property–insures against damage from fire, smoke, lightning, wind, water, collapse, vandalism and theft. • Business Income–protects against a loss in income resulting from a covered loss. • Extra Expenses–pays costs over and above normal expenses if you’re forced to rent equipment, furnishings, etc., as the result of a covered loss. • Equipment Breakdown • Outdoor Property and Property in Transit or Off Premises • Water Backup from Sewers and Drains • Computers and Software • Glass, Signs and Awnings • Theft, Disappearance and Destruction • Food Spoilage/Contamination • Ordinance or Law Coverage–covers the costs associated with upgrades to comply with new code if there’s a loss.
• Protection for Bodily Injury and Property Damage claims that occur on your premises • Coverage for Medical Payments resulting from injuries to others that occur on your premises or as a result of your business • Personal and Advertising Injury Coverage • Hired/Non-Owned Auto Insurance–provides Liability Protection for leased or rental cars and covers employees if they use their automobiles for your business. • Liquor Liability–protects you against claims involving an intoxicated person who was served liquor in your establishment. • Personal Supplement Coverage Available
Your Choice of Options A selection of coverage options and deductibles gives you greater control over the cost of your insurance and the ability to increase coverage amounts or obtain additional protection, such as: • Antiques • Ordinance or Law • Liability for Guests Property
Other Important Coverages • Commercial Auto insurance covers vehicles you own, hire or borrow, as well as other non-owned vehicles used in your business. • Workers’ Compensation pays for medical care and physical rehabilitation of injured workers. This also helps to replace lost wages while they are unable to work. • Commercial Umbrella gives you additional liability protection above and beyond the coverage provided in your basic policy.
• Equipment Breakdown Insurance covers damage caused by the malfunction or breakdown of mechanical, electrical or pressure equipment, including: air conditioners, boilers, electrical, telephone and computer systems.
Local Claims Service Designed to Keep You in Business In the event of a claim, effective and timely response is critical. You will work with people who understand what it takes to get you back on your feet. We work closely with your insurance agent to handle the claim quickly, fairly and efficiently.
To Learn More Michigan Millers’ Bed & Breakfast Program is available exclusively through a select network of independent insurance agents who are carefully chosen based upon their experience, professionalism and reputation for outstanding customer service. For more information on how you can put this program to work for you, call the Michigan Millers agent nearest you.
