Insurance for Businesses
Our team of professionals knows the full range of coverage options, so we can tailor a policy precisely to your business, not a generic package. It's part of why over 96 percent of our clients stick with us. Nine out of ten business owners who work with us are done shopping around.
Business Industries We Know
One Team. Every Business Covered.
Every business carries a different mix of risk, and a policy that fits one company perfectly can leave the next one exposed. We take the time to understand what your business actually does before we ever talk coverage.
That's the difference between a policy that looks complete on paper and one that actually holds up when you need it. We'd rather ask a few extra questions upfront than leave a gap you find out about during a claim.
Types of Business Coverage
Automobile
Coverage for company vehicles, whether it's a single work truck or a full fleet.
Builders' Risk
Coverage for buildings under construction or renovation, protecting materials, fixtures, and equipment against fire, theft, and weather-related damage.
Business Owner Policies (BOP)
A bundled package combining property and liability coverage, built for small to mid-sized businesses.
Commercial General Liability
Protection against third-party claims of bodily injury, property damage, and related legal costs.
Commercial Property
Coverage for the building, equipment, and inventory your business depends on every day.
Crime and Fidelity
Protection against theft, fraud, and employee dishonesty that a standard policy doesn't cover.
Cyber Liability
Coverage for data breaches, ransomware, and other digital threats to your business and your customers' information.
Directors and Officers Liability
Defense costs and protection for leadership decisions that get challenged, even when they were made in good faith.
Employment-Related Practices liability
Coverage for claims like wrongful termination, discrimination, or harassment brought by employees.
Environmental Impairment Liability
Coverage for clean-up costs and liability tied to a newly discovered pollution condition.
Equipment Breakdown
Protection when critical machinery, equipment, or computer systems fail unexpectedly.
Fiduciary Liability
Protection for those who manage employee benefit plans against claims of mismanagement, breach of duty, or errors in plan administration.
Inland Marine
Coverage for business property that moves, from tools and equipment to goods in transit.
International Liability Insurance
Protection for businesses operating abroad against liability claims, filling gaps that domestic policies typically don't cover overseas.
Liquor Liability
Coverage for businesses that serve or sell alcohol, protecting against claims tied to intoxicated patrons.
Management Liability
A package of liability coverages built to protect leadership decisions and company management practices.
Medical-Professional Liability
Coverage for healthcare providers and practices against claims of malpractice or professional negligence.
Ocean Cargo
Coverage for goods in transit by sea, protecting against loss or damage from accidents, weather, or handling during international shipping.
Package Policies
Multiple coverages bundled into a single policy, simplifying protection for businesses with varied risk.
Pollution Liability
Coverage for cleanup costs, legal defense, and damages tied to pollution conditions and environmental claims.
Professional Liability, Errors, and Omissions
Protection for professionals against claims of negligence, errors, or failure to deliver promised services.
Umbrella
An extra layer of liability protection above your other policies, for the claims that exceed standard limits.
Workers Compensation
Coverage for employee injuries and illnesses that happen on the job, as required by Michigan law.
Frequently Asked Questions
How do I know if a Business Owners Policy (BOP) is enough for my company?
A BOP bundles property and liability coverage for many small to mid-sized businesses, but it doesn't fit everyone. We'll walk through your specific operations to see whether a BOP covers you fully or whether you need additional coverage layered on top.
Do I need cyber liability coverage if I'm a small business?
Small businesses are frequent targets precisely because they often have less protection in place. If you store customer data, take payments, or rely on digital systems to operate, Cyber Liability is worth a conversation.
What's the difference between general liability and professional liability?
General Liability covers third-party injury or property damage claims. Professional Liability covers claims that your advice, service, or work caused a client financial harm.
Is workers' compensation required for my business?
In most cases, yes, if you have employees in Michigan. Requirements vary by business size and structure, so it's worth confirming your specific obligation with our team.
Can you bundle multiple coverages into one policy?
Yes. Package policies and BOPs are both built to bundle several coverages together, which can simplify your policy and often reduce your overall cost.
Let's Cover Your Business Right
Insurance is a relationship, not a transaction. Reach out and talk to someone who'll actually remember your name at renewal time.
