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Rural Means A Warm Welcome
Rural isn't where you live; it's what you value. Its understanding that little things make all the difference. Rural Mutual Insurance Company provides undivided attention to businesses right here in our state – so we get the details right. That gets you better protection. A warm welcome and attentive care. That's what we do. That's who we are.
Rural Mutual is a proud member of the Wisconsin Hotel and Lodging Association and the Wisconsin Bed and Breakfast Association. Our goal is to provide your hotel, motel, inn or bed & breakfast with business insurance protection in four critical areas:
- Property
- Bodily injury and property damage liability
- Business Auto
- Workers Compensation
Contact a Rural Mutual Agent for Coverage
Rural Mutual's Lodging insurance policy provides comprehensive coverage for a hotel, motel, inn or bed & breakfast's buildings, contents and other owned property.
Buildings
Includes your hotel, motel, inn or bed and breakfast. Coverage also includes completed additions, permanent fixtures, maintenance or service equipment, permanently attached appliances used for refrigerating, ventilating, cooking, dishwashing or laundering) and more.
Business Personal Property
Includes property that's used in or on buildings at the described location. Includes furniture, machinery and equipment, stock, and more.
Additional Property Coverages and Extensions 
Additional coverages are available including:
- Debris Removal
- Preservation of Property
- Fire Department Service Charge
- Pollution Clean Up and Removal
- Restoration of Electronic Data
- And More
Extensions
- Newly Acquired or Constructed Property
- Personal Effects and Property of others
- Valuable Papers and Records
- Property Off Premises
- Outdoor Property
Commercial Property Plus Endorsement
The Commercial Property Plus Endorsement extends the Building and Personal Property coverage by adding additional coverage and increasing the limits for some existing additional coverages. When this optional endorsement is selected, it applies to all locations and all buildings at each location.
Equipment Breakdown Endorsement
Provides coverage for the breakdown of many types of equipment that generate, use or transmit mechanical or electrical power. Covered equipment includes boilers and pressure vessels and many other types of business equipment, such as computers, telephone systems, refrigeration systems, compressors and other types of equipment and machinery.
Lawsuits are a threat to those in business today. Rural Mutual's Liability Insurance provides coverage to cover your legal obligation for bodily injury and property damage caused to others. Liability coverage designed specifically for your Hotel, Motel or Bed & Breakfast with coverage to include:
- Liquor Liability
- Mobile Equipment
- Contractual Liability
- Premises Operations
- Products/Completed Operations
- Personal Injury
- And More
Business Auto insurance coverage provides financial protection for you, your business and your vehicles if you're involved in an auto accident and responsible for bodily injury or property damage.
Worker's Compensation provides coverages for employees who sustain a job related accident resulting in bodily injury or an occupational disease in the course of their employment. Worker's Compensation covers medical expenses, disability, and death benefits.
Protecting people on the job and protecting property is in everyone's best interest; our economy, our community, our fellow workers, and our families. Safety and loss prevention adds value to businesses and our lives.
Rural Mutual will conduct loss control visits to help your business run in the safest manner possible.
