Coverage built for your operation
- General liability — helps protect you if a customer is injured at your business or you damage someone else's property while working.
- Commercial property — your building (if you own it), equipment, furniture, inventory and tenant improvements.
- Business owner's policies — a package that can combine liability and property coverage for many small businesses.
- Commercial auto — vehicles owned or used by your business, from a single work truck to a fleet.
- Workers' compensation — medical costs and lost wages for employees injured on the job.
- Coverage by industry — options tailored to contractors, retail, restaurants, offices, service businesses and more.
Who we help
Old Town shops and restaurants, downtown offices, contractors and trades working across Saginaw County, home-based businesses, landlords, and service businesses with vehicles on the road. If you're just starting out, we'll help you understand what coverage your lease, contracts or clients may require.
Workers' comp in Michigan: Many Michigan employers are required to carry workers' compensation, including those with three or more employees. Requirements depend on your situation — ask us before you hire.
Using your personal vehicle for work?
A personal auto policy may not cover vehicles used primarily for business, or vehicles titled to your company. If you haul tools, make deliveries or have employees driving for you, let's make sure the right commercial auto coverage is in place.
Protect the owner, too
Business owners often need life insurance to protect their families and partners, and an umbrella policy for extra personal liability. We'll look at the whole picture.
Business insurance FAQs
What insurance does a small business in Michigan need?
Most businesses consider general liability and property coverage. Businesses with vehicles need commercial auto, and many Michigan employers are required to carry workers' compensation.
Do I need business insurance if I work from home?
Possibly. Homeowners policies often limit or exclude business property and business liability. Talk with us about your home-based business.
Does my personal auto policy cover my work truck?
Not always. Vehicles used mainly for business or owned by a business often need commercial auto coverage.
What is a certificate of insurance?
A document that shows proof of your coverage, often requested by landlords, general contractors and clients. We can help you get one.
Can you insure contractors and trades?
Yes. We can help with coverage options for contractors, including liability, commercial auto, tools and equipment, and workers' comp.