Commercial Insurance for Michigan Businesses
Coverage That Keeps Business Moving
Running a business comes with risks — but worrying about your insurance shouldn’t be one of them. We help Michigan business owners protect what they’ve built, with commercial insurance that’s tailored to your industry, budget & day-to-day reality. Whether you're a startup, contractor, or long-standing operation, we’ll help you get the right protection in place — and stay ahead of what’s next.
Who This Coverage Is For
Built for Michigan’s Business Community
- Local shops & service providers
- Contractors & tradespeople
- Home-based or mobile businesses
- Restaurants & cafes
- Professional offices & real estate services
- Small fleet or delivery-based companies
What Business Insurance Can Include
General Liability
Covers injuries or property damage caused by your business — on-site, off-site, or during daily operations.
Commercial Property
Protects your building, equipment, inventory & supplies from fire, theft, storms & more.
Business Interruption
Helps replace income if you’re forced to close temporarily due to a covered event like fire or storm damage.
Workers’ Compensation
Required in many cases, this covers medical costs & lost wages for employees injured on the job.
Commercial Auto
Covers business-owned vehicles or personal vehicles used for work, including liability & physical damage.
Optional Add-Ons
- Cyber liability or data breach protection
- Professional liability (E&O) for advice-based services
- Inland marine for tools & equipment on the move
- Liquor liability for hospitality businesses
- Employment practices liability (EPLI)
Why It Matters
One Gap Could Set You Back
Many business owners think they’re covered — until a claim reveals a gap. From slip-and-falls to storm damage, lawsuits to lost income, we help you prepare for what’s possible, not just what’s likely. Our job is to explain what you need, what’s optional, and what fits your bottom line.
Three Ways We Help
Why Local Businesses Work With Us
Industry Know-How
We understand what different Michigan businesses actually need — and we don’t oversell.
Flexible Coverage
Whether you’re just starting out or scaling up, we help you find the right policy mix from trusted carriers.
Support That Grows With You
We’re here when you hire, expand, or change locations — not just when it’s time to renew.
Commercial Insurance FAQs
Do I need business insurance if I work from home?
Yes. Homeowners policies typically exclude business-related risks. We’ll help you fill in those gaps.
What’s a Business Owners Policy (BOP)?
It’s a package that bundles property & liability coverage — a great fit for many small to mid-sized businesses.
Is workers’ comp required in Michigan?
Yes — if you have even one full-time employee (and sometimes part-time), you’ll likely need it by law.
Can I cover my tools or equipment in transit?
Yes. Inland marine coverage protects gear you take to job sites or client locations.
What if I hire subcontractors?
You may still need liability coverage for their work. We’ll explain your options based on how you operate.
Local Insurance That Works as Hard as You Do
You’ve got enough to manage — let us take insurance off your plate. We’ll help you protect your business with smart, straightforward coverage that fits your day-to-day.