General Liability Insurance

This is a base policy that covers basic risks for a business.  It will cover damage to property and/or bodily injury that you cause during the normal course of business.  

Commercial Umbrella Insurance

A commercial umbrella policy is designed to fill in gaps other policies don't cover.  An umbrella policy is not designed to be a stand-alone policy - it is written as an addition to your existing coverage.

Whether you know which policy you want, or need some assistance figuring out what will work best for your business, we are here to help.  Our goal is to provide the best rates, best coverage, and best service as your independent insurance agency.  We have access to many insurance carriers and can give you options.  Call, email, or stop in for a quote!

A standard business owner's policy (commonly called a "BOP") usually cover business personal property and general liability.  As many commercial liability coverages will carry several distinct policies, this one is a good place to begin.

 In Michigan, valid workers comp coverage is required of:

(a) all private employers employing 1 or more employees, 35 hours or more per week, for 13 weeks or longer during the past 52 weeks. 

(b) All private employers generally employing 3 or more employees at one time.  Including part time employees. 

(c) Agricultural employers if they employ 3 or more employees 35 hours or more per week for 13 or more consecutive weeks.

 
(d) Households employing domestic servants if they employ anyone 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks. 

(e) All public employers. 

Workers Compensation Insurance

Business Owner's Policy

Commercial Vehicle Insurance

If your business uses any type of vehicle, it might be necessary to get commercial auto insurance.