Insurance for Resorts in Minnesota

Your Local Experts With Insurance for Resorts in Minnesota

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Comprehensive Insurance for Resorts in Minnesota

Minnesota’s scenic beauty, from its more than 10,000 lakes to its lush forests and year-round outdoor attractions, makes it a premier destination for resorts of all types. Whether you operate a family-run lodge, a luxury resort, or a seasonal retreat with cabins and recreational offerings, you understand that hospitality comes with a wide range of responsibilities. At Musty-Barnhart Agency Inc., we specialize in providing tailored insurance for resorts in Minnesota to help you protect your property, your guests, and your legacy.

With decades of experience serving the state’s hospitality and tourism industry, we know how to design insurance solutions that match the unique nature of resort businesses—large or small, seasonal or year-round.

Why Resort Operators Need Specialized Insurance

Resorts are complex businesses, often offering a blend of lodging, dining, guided activities, equipment rentals, water access, and even special events. This multi-faceted nature means general commercial insurance policies often fall short of covering the full scope of your risk exposure. That’s why working with a local agency that understands the specific challenges of running a Minnesota resort is essential.

Musty-Barnhart offers comprehensive insurance for resorts in Minnesota that covers all key areas, so that you can focus on creating unforgettable guest experiences while we help safeguard your business.

Types of Insurance Coverage for Resorts in Minnesota

We provide complete insurance packages tailored to your resort’s operations and assets. These typically include:

Property Insurance

  • Lodging buildings, cabins, lodges, and common areas
  • Guest amenities such as pools, docks, spas, or recreational structures
  • Maintenance and storage facilities
  • Coverage against fire, storms, theft, vandalism, and other risks

 

General Liability

  • Guest injuries on the premises
  • Recreational activity liability (boating, zip lining, hiking, snowmobiling, etc.)
  • Public events or third-party vendor liability

 

Liquor Liability

  • Essential for resorts with bars or restaurants that serve alcohol

 

Business Interruption Insurance

  • Helps recover lost income due to unexpected shutdowns (e.g., fire or natural disasters)

 

Workers’ Compensation

  • Mandatory protection for resort employees and seasonal staff
  • Covers medical expenses and lost wages due to work-related injuries

 

Commercial Auto Insurance

  • For any vehicles used for guest transport, deliveries, or groundskeeping

 

Equipment Breakdown Insurance

  • Coverage for HVAC, refrigeration, kitchen equipment, and more

 

Umbrella Coverage

  • Additional liability coverage to protect against large or unexpected claims

 

Our insurance for resorts in Minnesota is designed to ensure every corner of your business is protected.

Tailored Coverage for All Types of Resorts

From small lakefront family resorts to full-scale destination retreats, we understand that no two properties are alike. That’s why we customize each policy to fit your specific needs. Our clients include:

  • Fishing and hunting resorts
  • Lake and waterfront resorts
  • Four-season mountain lodges and ski resorts
  • Pet-friendly or eco-tourism-focused resorts
  • Resorts with wellness or spa offerings
  • Family-oriented cabin resorts with activity programming

 

We’ll review every aspect of your operation and walk you through a plan that aligns with your goals, budget, and guest offerings.

Why Choose Musty-Barnhart for Resort Insurance?

As a locally owned, independent insurance agency, Musty-Barnhart takes pride in serving Minnesota communities with personalized care. When you partner with us for your insurance for resorts in Minnesota, you gain access to:

  • Top-Rated Carriers: We work with many of the nation’s most trusted insurance companies to find the best fit for your resort.
  • Local Insight: With offices in Lake City, Red Wing, Lutsen, and Ellsworth, we understand your region’s risks, from weather patterns to tourism fluctuations.
  • Hands-On Support: We’re not a call center. Our agents offer 24/7 direct access and will be there when you need guidance or help filing a claim.
  • Risk Management Expertise: We help you implement safety programs, staff training, and maintenance protocols to reduce risk and insurance costs.

 

You’ve invested time and care into building a resort your guests love. Let us work just as hard to protect it.

Seasonal, Year-Round, or Specialized—We’ve Got You Covered

Whether you operate a bustling summer destination or a four-season resort with winter sports, your insurance needs can vary throughout the year. Our flexible policy options ensure you’re covered no matter the season.

We also offer specialized endorsements and add-ons, including:

  • Coverage for hosted events like weddings and retreats
  • Insurance for docks, watercraft, and lake-related equipment
  • Snow removal and winter sports activity liability
  • Cyber liability for online booking systems and guest data protection

 

Whatever your niche, we’ll help ensure you have the right insurance for resorts in Minnesota.

Serving innesota’s Resort Communities

From the Boundary Waters and North Shore to Central Lakes Country and the Mississippi River Valley, Musty-Barnhart is proud to support Minnesota’s thriving resort industry. Our team understands the importance of your work, not just as a business but as part of the state’s cultural and economic fabric. Our regional knowledge allows us to anticipate risks and opportunities specific to your location.

Start Your Customized Insurance Plan Today

Let Musty-Barnhart help you continue delivering exceptional guest experiences with the confidence that your property and people are well protected.

Get started today by requesting a quote at 651-388-7128 or scheduling a one-on-one consultation online to meet with one of our experienced agents.