Protect Your Michigan Business, Big or Small.
Custom commercial insurance plans for every industry and every stage of growth.
Commercial Insurance
Why Commercial Insurance Matters
Running a business in Michigan — whether it’s a storefront in Grand Rapids, a contracting crew in Flint, or an office in Detroit — means facing risks every day.
From property damage and lawsuits to employee injuries and cyber threats, commercial insurance helps shield your business from unexpected disruptions.
It’s not just about compliance — it’s about confidence. The right coverage protects your assets, reputation, employees, and long-term growth.
Types of Commercial Insurance Coverage
General Liability Insurance
Protects your business from third-party claims of bodily injury, property damage, and personal injury (like libel or slander).
Key Benefits:
Covers legal fees, settlements, and medical bills
Required by many clients before doing business
Essential for contractors, retailers, and service providers
Commercial Property Insurance
Covers buildings, equipment, inventory, and other physical assets against fire, theft, vandalism, or Michigan-specific risks like snow damage or burst pipes.
Key Benefits:
Protects storefronts, warehouses, and office spaces
Includes tools, machinery, signage, and furniture
Coverage for losses due to weather, theft, or vandalism
Business Owner’s Policy (BOP)
A convenient bundle combining General Liability and Property Insurance, ideal for small to mid-sized Michigan businesses.
Key Benefits:
Affordable, streamlined coverage
Tailored to retail, food service, professional offices, and more
May include business interruption coverage
Workers' Compensation Insurance (Required in Michigan)
Covers medical expenses and lost wages if employees are injured on the job.
In Michigan, workers’ comp is required by law if you have one or more employees.
Key Benefits:
Legal compliance with Michigan law
Protects both you and your employees
Includes rehab and disability support
Commercial Auto Insurance (BAP)
Covers company vehicles or employee use of personal vehicles for business purposes. Required for vehicles used for deliveries, service calls, or transport.
Key Benefits:
Covers accidents, theft, and liability
Required for Michigan-registered business vehicles
Options for fleet coverage or individual commercial cars
Professional Liability (Errors & Omissions)
Protects service-based businesses from lawsuits due to mistakes, missed deadlines, or alleged negligence.
Key Benefits:
Vital for consultants, accountants, tech firms, and real estate agents
Covers legal defense and settlements
Builds client trust with proof of coverage
Cyber Liability Insurance
Covers your business in the event of a data breach, ransomware attack, or accidental exposure of sensitive information.
Key Benefits:
Covers investigation costs, customer notifications, and legal fees
Growing need across all industries — even small businesses
Especially important for businesses handling financial or medical data
Why Local Michigan Businesses Trust Us
From the west side of the state to the Upper Peninsula, we understand Michigan’s business environment — and the risks that come with it.
We’ve helped everyone from contractors to chiropractors get the right protection to operate with confidence.
Frequently Asked Questions (FAQ)
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Yes — Workers' Compensation is required if you have employees, and auto insurance is mandatory for business-owned vehicles. Other coverages depend on your industry and contracts.
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A Business Owner’s Policy (BOP) is a popular starting point. It bundles liability and property coverage for affordable protection.
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Bundling policies, maintaining a safe workplace, and reviewing your coverage annually can help reduce premiums.
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Yes — cyber threats impact businesses of all sizes. If you handle customer data, it’s a smart investment.
