my homeowners policy is about $600 and my agent told me that a motel policy would be $2200  ouch!   can anyone tell me where to get a cheaper policy tailored for a small 2 unit B and B

thank you

I think you'll find this article from the January Innkeeper News to be helpful:

http://www.innkeepersonly.com/innkeepernews/January-08/featured.htm

When we opened, we were insured through James Wolf, a renowned B&B insurer..for in excess of $2000 per year.  One year after opening, we were approached by an independent local agent for Fremont Insurance.  Better coverage for less than half the cost.  Fremont is a national insurer, and most independent agents will be familiar!

Wendy Keene
Applesauce Inn B&B
Bellaire, MI