Michigan business insurance
built for how you operate.

Commercial coverage for Michigan businesses

Commercial insurance isn't one-size-fits-all — a residential contractor has different exposure than a retail shop, a landlord, or a fleet operator. We assess your actual business operations and find coverage that fits, rather than defaulting to the cheapest package that may leave critical gaps.

Coverage options we place for Michigan businesses

• Business Owner's Policy (BOP) — Bundles general liability and commercial property into one policy. Cost-effective for most small Michigan businesses with physical locations.
• General Liability — Covers bodily injury and property damage claims from third parties. Often required by clients, landlords, and licensing boards.
• Commercial Property — Covers your building, equipment, inventory, and business personal property against fire, theft, and covered perils.
• Commercial Auto — Covers vehicles used for business purposes. Personal auto policies don't cover commercial use — this gap is one of the most common and costly oversights we see.
• Fleet Coverage — Consolidated coverage for multiple business vehicles. Often more efficient than insuring each vehicle separately.
• Workers' Compensation — Required in Michigan for most businesses with one or more employees. Covers medical expenses and lost wages for work-related injuries.
• Professional Liability (E&O) — Covers claims of negligence, errors, or omissions in professional services. Essential for consultants, agents, contractors, and service businesses.
• Inland Marine — Covers tools, equipment, and inventory in transit or at job sites — critical for Michigan contractors and tradespeople.
• Umbrella / Excess Liability — Extends your liability limits above underlying policies. Important for businesses with higher exposure or contractual requirements.

Michigan-specific business considerations

Michigan businesses face exposures specific to the state's economy and environment. Construction and trades businesses deal with seasonal work cycles, equipment on job sites, and subcontractor exposure. Retail and hospitality businesses face slip-and-fall liability year-round — especially during Michigan winters. Landlords managing rental properties need landlord policies, not homeowners policies, with appropriate liability limits.

Michigan's no-fault auto law also applies to commercial vehicles. Businesses operating vehicles in Michigan must carry no-fault coverage including PIP, PPI, and liability — and the no-fault rules around PIP elections interact with employee coverage in ways that require careful handling.