Top 7 Insurance Tips Every Minnesota Resort Owner Should Know

Owning a resort in Minnesota isn’t just a business — it’s a lifestyle. From managing cabins and lodges to offering recreational activities, your resort faces unique risks that need the right coverage. At My Resort Insurance we specialize in insurance solutions for resorts, campgrounds, and lodges. Here are seven essential tips every resort owner should know:

Your property is your biggest investment — cabins, lodges, docks, and other amenities need to be insured for their current replacement cost, not what they were worth five years ago. If you’ve added new buildings or upgraded existing ones, update your policy to reflect those changes.

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Guest injuries can happen even when you take every precaution. From slippery docks to playground accidents, general liability insurance protects your business from costly claims. If you host events or offer guided activities, you may need additional coverage.

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If your lodge, restaurant, or bar serves alcohol, liquor liability coverage is essential. It helps protect your resort if a guest is involved in an alcohol-related incident after being served on your property.

Boats, ATVs, snowmobiles, and other equipment bring in revenue — but they also bring risk. Make sure your policy includes coverage for recreational vehicles and rental equipment, including trailers.

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If a fire, storm, or major repair forces your resort to close, business interruption coverage can replace lost income and help cover expenses while you recover. This is especially important in seasonal businesses where every booking matters.

Seasonal employees are the backbone of your resort — but injuries can happen on the job. Workers’ Compensation Insurance protects your staff and shields your business from costly medical and legal expenses if an employee gets hurt while working.

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When the season ends, your resort is still vulnerable. Frozen pipes, snow load, and theft can cause significant damage. Make sure your property policy covers these risks and review security measures like alarms and maintenance checks.

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Not every insurance agency understands the complexity of running a Minnesota resort or campground. At My Resort Insurance, we take the time to learn your business and customize coverage that fits your needs — without unnecessary extras.