Michigan Small Business Insurance Policy Information
Michigan Small Business Insurance. If you own a MI small business, this article will help you understand some the of most common policies available. Commercial insurance helps protect your business and potentially your personal assets from lawsuits and settlements that can reach into the millions.
Having high enough limits in your commercial liability coverage should be a cornerstone of any business plan in the Great Lakes State. Carrying adequate Michigan small business insurance to protect your business shouldn't be a question - it's a must if you want to make sure that you don't get put in a position where you have to lose your business or pay money out of pocket to cover expenses associated with a loss.
Learn about Michigan small business insurance requirements, costs and coverages including: Commercial General Liability, Commercial Property Insurance, MI Workers Compensation, Business Owner's Policy (BOP), Errors & Omissions (professional liability), MI Commercial Auto Insurance and more.
You can skip to the following types of Michigan small business commercial insurance using these links:
Michigan Small Business Insurance General Information:
Types Of Commercial Insurance:
- Business Auto
- Business Owners Policy
- Commercial Crime
- Commercial General Liability
- Commercial Property
- Commercial Umbrella
- Cyber Liability
- Directors And Officers Liability
- Employment Practices Liability Insurance
- Equipment Breakdown
- Professional Liability (E&O)
- Workers Compensation
Is Business Insurance Required In Michigan?
Michigan only requires two types of commercial insurance policies - and only under specific circumstances:
- Workers Compensation: Small businesses with any non-owner employees are required by MI state law to have workers comp insurance coverage.
- Business Auto: If the business owns any vehicles (titled to the business), those cars or trucks must have commercial auto insurance.
Any other policies and coverages are optional for the business to purchase. There is not one small business insurance policy that covers every risk. There are different commercial insurance policies that cover various accidents, damages and lawsuits that could financially devastate a small business without the right protection. Some of the most common risks businesses face are covered in these policies.
Michigan does not cap rewards for liability law suits and business owners should invest in this type of coverage. It is important to note that MI state courts have a reputation for awarding large liability judgments against businesses, and an injured part has up to two years to file a claim. This means businesses may be sued many months after an accident occurs.
How Much Does Small Business Insurance Cost In Michigan?
Following is a list of the main factors that determine the costs of small business insurance in MI:
- Claims History - Similar to auto insurance, more claims can mean higher costs. If you have claims on your policy, your premium will typically increase.
- Deductibles - Like medical insurance, lower deductibles for Michigan small business insurance mean higher premiums. If you raise your deductibles (out-of-pocket costs), your premium will usually decrease.
- Employees - The more people working for your company typically translates into higher insurance costs.
- Experience - A business with more experience can often get lower premiums that newer businesses with less experience.
- Gross Sales - The more revenue you have, the higher your premium can be. So if your small business earns less than $30,000 annually, your premiums may be lower than a larger corporation that earns more than $2,000,000.
- Industry - If you own a white collar business like an accountant, your premiums can be lower than a roofing company, where the potential risks for bodily injury and property damage are higher.
- Location - Your zip code can have a significant impact on your premium. For example, if your business is located in Calistoga, your business insurance costs may be lower than a similar business located in Los Angeles or San Francisco.
- Policy Limits - When you buy a policy, you can decide how much coverage you want, and you typically will pay more for higher limits. For example, a general liability policy with a $1,000,000 limit per claim will cost more than one with a $300,000 limit.
Michigan Small Business Insurance Policies
Michigan small business insurance needs, costs and coverages are different for each industry and MI region. While not an exhaustive list, to properly protect your business against lawsuits - consider these additional policies that fall under commercial property and/or casualty insurance:
The person injured in an auto accident may be a young child, a wage earner, a surgeon, or a homeless person. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. Michigan commercial auto insurance helps protect your business if you hurt a person or damage their property.
What Is Covered - Michigan business auto insurance protects your assets in several ways:
- Covered auto liability coverage insures your legal obligations that arise from an accident, including lawsuits and their associated costs. The limits you purchase should be high enough to handle the potentially serious injuries and loss of earnings a victim may sustain.
- Uninsured and underinsured motorists coverages protect you when you are involved in an accident caused by a driver who has no insurance or insurance with relatively low limits. The limits you select for this coverage should be the same as your liability limits.
- Physical damage coverage on vehicles directly protects your assets. Comprehensive, Specific Causes of Loss and Collision are the coverage options available. Deductibles should be as high as you can comfortably absorb to maximize the protection provided relative to the premium cost.
- Medical payments coverage and towing expense costs for private passenger vehicles are other optional coverages to consider
To summarize, commercial auto is coverage for vehicles and their drivers owned by the business and/or used for business purposes, and covers these common claims:
- Physical damage
- Medical payments
- Uninsured motorists
Business Owners Policy (BOP)
Michigan small business insurance offers coverage for business property and casualty exposures. Wouldn't it be great if you could get most or all of them in just one policy? If you qualify, the Business Owners Policy (BOP) may be exactly what you're looking for. This single package covers your buildings and business personal property, as well as liability imposed on you because of your premises, operations and products. In addition, it has numerous coverage extensions and optional coverages available.Business Liability Coverage
Much like a general liability policy, the liability coverage offered by a BOP:
- Insures bodily injury and property damage liability and the legal obligations that arise from an occurrence. It also covers lawsuits and their associated costs. The limits of insurance selected should be high enough to handle serious claims. This coverage is subject to a number of exclusions.
- It also covers personal and advertising injury liability and related legal obligations arising from an offense as well as lawsuits and their related costs. The limits of insurance selected should be high enough to handle serious injuries and the injured party's loss of earnings. This coverage is also subject to a number of exclusions.
- Medical expenses coverage applies to medical expenses of individuals injured on your premises or due to your operations, without regard to fault.
Buildings can be more than just a single building. The structure listed and described that has a limit of insurance on the declarations is covered, along with the following:
- Additions under construction if not covered elsewhere
- Completed additions
- Indoor and outdoor fixtures
- Permanently installed machinery and equipment
- Personal property you own as a landlord in furnished apartments
- Personal property you own used to service or maintain the building or premises
Business personal property (BPP) is more than just the contents of a building. The following business personal property is covered when a limit of insurance appears on the declarations and when it is in the described building and within 100 feet of the premises or building while in the open or in or on a vehicle:
- Exterior building glass you must cover if you are a tenant
- Leased personal property you are contractually responsible to insure
- Personal property you own and use in the business
- Property of others in your care, custody, or control
- The use interest in any improvements and betterments you made or acquired if you are a tenant
To summarize, a Business Owners Policy (BOP) packages general liability and commercial property into one policy, and covers these common claims:
- Damaged Business property
- Customer injuries
- Business interruption
Commercial General Liability
You don't have any control over the ultimate cost of injuries to a person injured because of your operations, products, or services. The person injured may be a toddler, a contractor, an accountant, or a homemaker. The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. This is why you need the right amount of Michigan small business insurance.
Commercial general liability insures the bodily injury liability, property damage, and personal and advertising injury liability exposures of a variety of commercial businesses, enterprises, and ventures.
What Is Covered - Michigan general liability insurance protects your assets in several ways:
- Liability coverage for bodily injury and property damage insures your legal obligations that arise from an accident. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
- Liability coverage for damages due to personal and advertising injury insures your legal obligations that arise from an offense. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
- Medical Payments coverage pays the cost of medical care to persons injured on your premises or due to your operations, regardless of fault.
Each of these Michigan small business insurance coverages is subject to certain policy exclusions, conditions, and definitions. Following a few examples of how a CGL policy can cover third-party bodily injuries, third-party property damage, and advertising injuries;
- A visitor slips and falls on a wet floor in your restaurant.
- A tree trimmer accidentally drops a tree on a customers home.
- A competitor sues your business over an ad that was published that disparages them, damaging its reputation.
To summarize, general liability is typically required for most commercial leases, and covers these common claims:
- Damaged customer property
- Libel or slander lawsuits
- Slip-and-fall accidents
The primary goal of any Michigan small business insurance program is to protect the insured's real and business personal property. Tangible property usually represents a significant portion of its total assets, regardless of the size of the business.
Protecting your real and personal property is an important element of your insurance program. No matter the size of your business, a large percentage of your assets and resources are tied directly to your property. A commercial property program can provide the coverage you need if a loss should occur.Covered Building
When there is a limit of insurance for building on the declarations, the building or structure listed and described is covered property. The following is also considered covered building property:
- Additions under construction, alterations, and repairs that other insurance does not cover. The materials, equipment, supplies, and temporary structures that are on or within 100 feet of the premises and used to make the additions, alterations, or repairs are also building.
- Completed additions
- Fixtures. This includes outdoor fixtures.
- Permanently installed machinery and equipment
- Personal property the insured owns and uses to service or maintain the building or premises
When there is a limit of insurance for personal property on the declarations, coverage applies to the following property if it is inside the building or structure at the designated premises. It is also covered if it is outside the building or structure but within 100 feet of the building or premises. Such personal property outside can be either in the open or in or on a vehicle.
- All other personal property the insured owns and uses for business
- Furniture and fixtures
- Labor, materials, or services the insured furnishes or arranges on personal property of others
- Leased personal property the insured has a contractual responsibility to insure
- Machinery and equipment
- The insured's interest in any improvements and betterments it made or acquired if the insured is a tenant
Personal property of others is covered when there is a limit of insurance on the declarations but only when:
- It is in the insured's care, custody, or control.
- It is either inside the building or structure at the listed and described premises or outside within100 feet of the building or premises in either the open or in or on a vehicle.
- The insurance company pays for loss or damage to personal property of others for only the account of that property's owner.
To summarize, commercial property insurance covers these common claim types:
- Theft or vandalism
- Water damage (non-flood)
- Wind damage
Workers Compensation & Employers Liability
Do you own, operate, or manage a business which includes at least one employee? Are you familiar with the laws of Michigan regarding workers compensation insurance coverage? The Workers Compensation and Employers Liability Insurance Policy covers your statutory liability as an employer under MI workers compensation laws. It pays for medical treatment because of injuries and indemnity payments for employees disabled by work-related accidents. It also provides tort liability coverage for legal actions brought against you for bodily injuries to your employees that fall outside state workers compensation laws.
The Michigan small business insurance coverages provide the benefits that the law requires for injuries employees sustain that arise out of and in the course of their employment, including resulting disease or death, subject to certain policy terms and conditions. In addition, if the employee injury is not compensable under applicable state workers compensation laws or occupational disease acts, Employers Liability Insurance responds to the employee's allegation of negligence by you, again subject to certain policy terms, conditions, and exclusions.
Michigan has laws that require such protection for workers and those laws prescribe the amount and duration of the benefits provided. Employers Liability covers an employer's common law or tort liability for employee injuries that fall outside the scope of the state laws or acts. This liability is separate and distinguished from the liability that workers compensation laws impose.
The policy provides the mandatory benefits that the various MI laws prescribe and require for accidental work-related injuries that occur in the course of employment, subject to its terms and conditions. It must be emphasized that the injury must arise from and be related to the injured worker's job duties. Coverage also applies to the related costs for disease or death that occur as a result of the accident.
There are times when the employed worker's injury is not compensable under workers compensation or occupational disease laws. In those cases, Employers Liability coverage responds to the injured worker's allegations of negligence on the employer's part, subject to its terms, conditions, limitations, and exclusions. The coverage the basic policy provides may be broadened, restricted, clarified, or made to comply with specific state regulatory requirements by using a variety of available endorsements.
To summarize, workers compensation is required if businesses has any employees, even one part-time (in most states), and covers these common claims:
- Employee medical expenses
- Lost wages
- Legal costs and fees
Professional Liability (Errors and Omissions)
Professional liability insurance, also known as errors and omissions (E&O), is a type of liability coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes you made (errors) or because you didn't perform some service (omissions).
Professional liability can cover the legal costs of defending your company in a civil lawsuit and some damages if awarded, even if you haven't made a mistake. Eamp;O coverage is not included in a general liability insurance policy.
If your business:
- Provides a professional service
- Gives advice to clients
- Is contractually required to carry
you should probably purchase an errors and omissions policy. Common claims that E&O covers are negligence, misrepresentation, violation of good faith and inaccurate advice.
In the medical and legal professions, professional liability is called malpractice insurance.
To summarize, professional liability insurance helps protect professionals against liability incurred as a result of errors and omissions in performing their professional services, and covers these common claim types:
- Business disputes
- Professional negligence lawsuits
- Work errors, mistakes & oversights
Accidents are unpredictable. Some accidents are very small. Others trigger catastrophic events in the lives of the injured parties. Are your policy limits sufficient to protect you if a person you injure must have multiple lifesaving surgeries or requires around the clock care for the rest of her life? If not, your business capital could be required to make up the difference.
Commercial liability umbrella is a stand-alone coverage that contains its own coverage, exclusions, and conditions. It provides excess limits over General Liability, Automobile Liability, Employers Liability, and other underlying liability coverage forms or policies. In addition, and because it is a stand-alone coverage form, it may include coverage that underlying coverage forms or policies do not include or provide.
To summarize, commercial umbrella is excess liability coverage that 'extends' the limits of a general liability and/or other liability policies, and offers:
- Additional general liability limits
- Additional workers comp limits
- Additional commercial auto liability limits
The law in MI requires businesses to notify any Michigan residents when an unauthorized person accesses unencrypted personal information. Cyber liability insurance helps your business deal with the costs of data breach and recovery by helping to pay for:
- Security Breach Expense - Loss that is the direct result of a security breach.
- Extortion Threats - Loss that is the direct result of an extortion threat.
- Replacement or Restoration of Electronic Data - Loss to stored computer programs or electronic data within a computer system.
- Business Income and Extra Expense - Loss that is the result of an interruption is covered when it is a direct result of a cyber incident or extortion threat.
- Public Relations Expense - Loss that is the result of negative publicity is covered when it is a direct result of a cyber incident or security breach.
- Security Breach Liability - Loss that is the result of a claim which is discovered during the policy period is covered if the insured is legally obligated to pay it and was due to a wrongful act that takes places before the end of the policy period.
To summarize, cyber liability helps cover a business' liability for a data breach in which their customers' personal information is exposed or stolen by a hacker or criminal, and covers these common claims:
- Breach notification expenses
- Data breach lawsuits
- Fraud monitoring costs
Directors And Officers Liability
Corporate directors and officers (D&O) have a duty to manage the company in their stockholders' best interests. They are bound to use due care and to be diligent in respect of the management and administration of the corporation's affairs and in the use of its property and assets. Accordingly, they are liable for losses or injuries that are caused by their breach or neglect of duty.
Recognizing the need to have competent directors and officers on executive boards, many corporations have put in their by-laws or charters certain resolutions undertaking to indemnify their directors and officers for legal expenses incurred by them in defending suits based on alleged wrongful acts in their capacities as directors and officers. Such indemnification provisions are permitted by most states' laws. Protection varies from state to state. In general, state statutes do not protect directors from claims brought by governmental agencies, or claims alleging violations of securities and exchange laws or other federal laws.
To summarize, directors and officers is a type of liability insurance that covers individuals for claims made against them while serving on a board of directors and/or as an officer, and covers these common claims:
- Side A - Protects a corporation's directors and officers when the company cannot indemnify the individuals.
- Side B - Reimburses the organization when it indemnifies the individuals, thus protecting the company's balance sheet.
- Side C- Also known as "entity coverage," this eliminates disputes of coverage allocation when both the directors and officers and the insured organization are named as co-defendants in a securities lawsuit.
Commercial property coverage forms specifically exclude most types of equipment breakdowns while the Equipment Breakdown Protection Coverage Form Insures only equipment breakdown - which covers loss or damage to your covered property that results when covered equipment breaks down.
This coverage includes inspection service as a part of the basic coverage because you can eliminate most equipment breakdowns with proper maintenance. These inspections also satisfy any obligation you have to conduct required governmental or statutory inspections.Covered Equipment
Four types of equipment you may own or operate can be covered:
- Mechanical and Electrical Equipment
- Production Machinery
- Pressure or Vacuum Equipment
- Diagnostic Equipment
This Michigan small business insurance coverage also applies to your computer equipment, communications equipment, and equipment that generates, transmits, or uses energy.
To summarize, equipment breakdown is coverage for losses due to mechanical or electrical breakdown of nearly any type of equipment, and covers these common claims:
- Lost income
- Expenses incurred during the restoration period
- Spoiled inventory
- The cost to repair or replace damaged equipment, including labor.
Employment Practices Liability Insurance
The current level of workplace morale, the state of the economy, and legislation such as the Americans with Disabilities Act and the Family Medical Leave Act have all led to a marked increase in employment-related practices claims and lawsuits. Because these legislative and other legal changes have provided significant incentives for employees to file employment-related claims, employers such as you should be more aware of your susceptibility to such actions.
Employment-Related Practices Liability Coverage provides broad insurance protection from employment-related practices claims and lawsuits that are brought against your company, managers and directors and officers. It covers such things as age and gender discrimination, sexual harassment, wrongful discipline and termination and negligent decisions involving hiring, promotion, and compensation. It also applies to breach of employment contract, employment-related emotional distress, and mental anguish, invasion of privacy, libel, and slander.
Claims can come from both current and former employees and even from job applicants you didn't hire! The procedures that you use or don't use in hiring, firing and managing your employees can translate into huge defense costs and legal awards to plaintiffs for your errors or oversights even if they were unintentional.
Allegations are made by employees who claim to have suffered various types of financial loss or emotional injury because of their employers' acts (or failure to act). The list of allegations involves wrongful termination, demoting an employee without justification, failure to hire or promote a worthy employee, unwarranted discipline or abuse (particularly sexual harassment).
Many of these offenses are said to be the result of illegal discrimination on the basis of age, gender, religion, race, nationality, or sexual orientation. Other offenses are claimed to be a violation of the individual's civil rights, or the failure to accommodate a mental or physical limitation or disability.
Sexual harassment by the employer's management or supervisory staff, or by fellow employees, has grown to include allegations of same-sex harassment. In addition to injuries involving sexual abuse, physical, mental or emotional abuses are also being claimed with more frequency.
To summarize, Employment practices liability is coverage for claims made by workers that their legal rights as employees of the company have been violated, and covers these common claims:
- Sexual harassment
- Wrongful termination
- Breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress, mismanagement of employee benefit plans and others.
Most theft losses are comparatively small, fall under the deductible, are excluded, or are uninsured. However, larger ones can put a company out of business as quickly as an uninsured fire. Michigan small business insurance - specifically business personal property coverage forms and policies written on an All Risks or Special Causes of Loss basis usually cover theft of property and merchandise by outside parties.
However, they usually exclude losses due to employee dishonesty, theft of money and securities, computer fraud, safe burglary, extortion, and related criminal acts. This is why every MI business needs a sound program of crime coverages for employee theft and other types of criminal and fraudulent activities.
Types Of Coverage - The ISO Commercial Crime Coverage Form offer seven types of protection:
- Computer and Funds Transfer Fraud pays for loss or damage to money, securities, and other property fraudulently transferred using a computer from your premises or a financial institution's premises to an unauthorized person or premises. It also covers loss of funds as a direct result of fraudulent instruction to a financial institution telling it to transfer, pay, or deliver funds from your transfer account.
- Employee Theft covers loss or damage to money, securities, and other property that one or more of your employees causes.
- Forgery or Alteration covers loss caused when someone other than an employee forges or alters a negotiable instrument such as a check.
- Inside the Premises–Robbery or Safe Burglary of Other Property pays for loss or damage to property other than money and securities inside the premises. However, this is subject to the conditions that either you or an employee must be robbed or the safe burglarized.
- Inside the Premises–Theft of Money and Securities pays for theft, disappearance, and destruction of money and securities from inside your premises or a financial institution premises. However, it does not cover theft of merchandise or stock.
- Money Orders and Counterfeit Money pays for loss as a direct result of you or your employees accepting fraudulent money orders or counterfeit money in good faith and in exchange for merchandise, money, or services.
- Outside the Premises pays for loss of money or securities outside the premises, in the care of a messenger or armored car service, or as a direct result of theft, disappearance, or destruction. It also pays for loss or damage to property other than money and securities as a direct result of robbery outside the premises that is in the care of a messenger or armored car service.
To summarize, commercial crime insurance is coverage for any dishonest acts of your employees including damage to your property, fraud or theft of a customer's property, and covers these common claims:
- Employee dishonesty
- Forgery or alteration
- Money and securities
- Theft of client's property
Michigan Insurance CommissionerMichigan Department of Insurance and Financial Services
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
The Michigan Department of Insurance's (MI DOI) can help you:
- Understand your insurance policy.
- File a complaint or appeal with your insurance company.
- Identify enrollment opportunities for health insurance coverage.
- Locate a lost life insurance policy.
- Find contact information for an insurance company.
- Report suspected insurance fraud.
- Check the license status of an insurance agent or company.
The Michigan Department of Insurance also publishes a Workers Compensation FAQ - find it here:
MI General Liability Insurance By Industry
Protect your company and employees with MI commercial insurance. Read informative articles on Michigan small business insurance coverages - and how they can help shield your company from legal liabilities.
- Business General Liability
- Business Liability MI
- Business Owners Policy (BOP)
- Certificate of Insurance
- Comprehensive General Liability
- Directors and Officers Liability
- Employers Liability
- Employment Practices Liability
- General Liability
- Home Based Business
- Independent Contractor
- Liability Insurance Certificate
- Liability Insurance Michigan
- Professional Liability
- Small Business
Learn about Michigan construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your MI construction business from lawsuits.
- Cement Contractors
- Concrete Contractors
- Construction Contractors
- Demolition Contractors
- Excavation Contractor
- Foundation Layers
- Framing Contractor
- Masonry Contractor
- Mechanical Contractors
- Millwright Contractors
- Paving Contractors
- Roofing Contractor
Contractors and Home Improvement
Learn about Michigan contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your MI business from lawsuits.
- Air Conditioning Systems Installation Repair
- Blacksmith & Metal Workers
- Builders Risk
- Building Cleaning & Maintenance Services
- Cable And Satellite TV Installer
- Chimney Sweep
- Contractor Liability
- Curtain Cleaners
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Garage Door Installer And Repair
- Glass Contractor
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation And Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
Read up on Michigan commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.
- Apartment Building
- Business Interruption
- Commercial Flood
- Commercial Property
- Condo Association
- Equipment Breakdown Protection
- Homeowners Association
- Inland Marine
- Manufacturing And Mercantile Rental Property
- Mobile Home Park
- Non-Residential Building Operators
- Office Buildings
- Shopping Center & Strip Mall
- Vacant Land
- Vacant Property
Get informed about Michigan professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.
- Answering Service
- Attorney Lawyer
- Business Consulting
- Corporate Wellness
- Court Reporter
- Debt Collection Agency
- Detective Agency
- Electrical Engineering
- Environmental Consultant
- Executive, Career & Life Coaching
- Executive Search Firm
- Expert Witness
- Financial Planner
- Financial Services
- HR Consultant
- Mediator - Arbitrator
- Medical Billing
- Music, Drama & Dance Therapy
- Project Management
- Temporary Staffing
- Tax Preparer
Advertising, Marketing and Media
Learn about Michigan media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.
- Advertising Agency
- Call Center
- Graphic Designers
- Market Research Firm
- Marketing Consultant
- Public Relations
- Search Engine Services SEO
- Social Media Consultant
Learn about Michigan real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.
- Corporate Office
- Home Inspection
- Mortgage Broker
- Property Manager
- Real Estate Agents
- Real Estate Appraiser
Read valuable Michigan retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.
- Adult Novelty
- Appliance & Electronics Store
- Art Gallery
- Auto Service Repair
- Auto Supply Parts Store
- Bicycle Shop
- Book Store
- Bridal Shop
- Candy Confectionery Store
- Car Wash
- Carpet Store
- Clothing Store
- Collectibles Memorabilia Store
- Convenience Store
- Cosmetics Store
- Dry Cleaning
- Equipment Rental
- Funeral Home
- Furniture Store
- Gas Station
- Gift Store
- Hardware Store
- Home Improvement Store
- Hotel Motel
- Ice Cream Shop
- Jewelry Store
- Lingerie Store
- Luggage Store
- Medical Marijuana Dispensary
- Music Store
- Office Supply Store
- Paint & Wallpaper Store
- Pet Store
- Pharmacy Liability
- Plumbing Supplies Fixtures Store
- Scrap Metal Dealers
- Sewing Store
- Shoe Store
- Sporting Goods Store
- Stationary Store
- Thrift Store
- Ticket Agency
- Tobacco Store
- Toy Store
- Travel Agency
- Wig Store
Auto Service and Repair
Read about Washington auto service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.
- Auto Detailing & Mobile Car Wash
- Auto Service Repair
- Auto Supply Parts Store
- Car Wash
- Gas Station
- Parking Lot
Health and Beauty
Learn about Michigan health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Medical Spa
- Massage Therapy
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
Information Technology and Internet
Learn about Michigan IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.
- Application Development
- Computer Electronic Repair
- Computer Programming
- Computer System / Network Developer
- Cyber Liability
- Data Breach
- Internet Business
- IT Consultant
- Online Store
- Software Developer
- Technology Services
- Website Design
Food and Drink
Learn about Michigan restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.
- Bagel Shop
- Beer Distributor
- Coffee Shop
- Concession Stand
- Farmers Market
- Grocery Store
- Liquor Liability
- Liquor Store
- Liquor Wholesalers
Medical and Dental
Discover Michigan business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.
- Ambulatory Surgical Center
- Art Therapy
- Assisted Living Facilities
- Dental Lab
- Dental Office
- Diagnostic Imaging Centers
- Healthcare Facilities
- Home Medical Equipment Dealers
- Marriage & Family Therapy
- Medical Laboratories
- Medical Marijuana Dispensary
- Medical Practice
- Mental Health Counseling
- Occupational Therapy
- Physicians Office
- Skilled Nursing Facilities
- Speech Therapy
- Substance Abuse Counseling
Manufacturing and Wholesale
Read informative articles on Michigan manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.
- CBD Oil And Hemp
- Canned Fruit & Vegetable Manufacturers
- Machine Shop
- Product Liability
- Wholesaler Distributor
Education, Colleges, Universities & Schools
Learn about Michigan commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.
- Charter School
- Colleges, Universities & Professional Schools
- Educational Services
- Language School
Sports and Fitness
Learn about Michigan sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.
Children and Pets
Discover what Michigan commercial insurance policies cover for children and pet related businesses.
Find informative articles on miscellaneous MI businesses including the types of commercial insurance they need, costs and other considerations.
- Adult Daycare
- Agriculture, Forestry, Fishing & Hunting
- Bail Agent
- Control of Well
- Employment / Staffing Agency
- Engraving Business
- Facility Support Services
- Mail Order
- Oil And Gas Lease
- Parking Lot
- Personal Concierge
- Photofinishing Lab
- Portable Sanitation
- Private Water Districts
- Process Server
- RV Parks & Campgrounds
- Unmanned Aerial Vehicles (UAV) Drone
- Waste Disposal Landfill
- Wedding Planner
Find useful articles on business insurance for Michigan non-profit 501(c)(3) organizations, charities and associations.
- Animal Shelter & Pet Rescue
- Credit Union
- Fraternal Organization
- Labor Union
- Parent Teacher Organization
- Public Administration
- Social Work Services
Arts and Recreation
Read up on Michigan arts and recreation commercial insurance.
Learn about MI agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.
Learn about Michigan commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
- Big Rig Truck
- Bobtail Non-Trucking Liability
- Commercial Auto
- Commercial Van
- Dump Truck
- Food Truck
- Freight Forwarder
- Non-Owned and Hired Auto Liability
- Owner Operator
- Pizza Delivery
- Tow Truck
Michigan General Liability Insurance Information
MI Commercial Insurance Articles
Read informative articles on Michigan commercial insurance including costs and coverages.
- Best Business Insurance
- Cheap Small Business Insurance
- Commercial Insurance Brokers
- Commercial Insurance Quotes
- Commercial Liability Insurance Quotes
- General Liability Insurance Cost
- Liability Insurance Quotes
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Also learn about Michigan small business insurance requirements for general liability, business property, commercial auto & workers compensation including MI business insurance costs. Call us (313) 344-7177.