Property insurance will cover physical damage to your building or office space caused by vandalism, theft, fire, and storms. This policy covers the contents of your building, which can include your furniture, inventory, equipment, as well as business personal property. Michigan is home to 886,500 small businesses that employ almost 1.9 million people. If you’re a small business owner in the Great Lakes State, you need to make sure you’re protecting your business with the right insurance.
We’ve already helped thousands of companies quote and purchase business liability coverage, making us your #1 choice for commercial general liability insurance quotes. Liability policies include coverage for bodily injury, property damage, personal injury, and advertising injury. In the event of a lawsuit against your organization, the insurance carrier may provide defense, and indemnify against all claims where you are found liable. While general liability insurance is required by the state for most business owners, workers’ compensation insurance for small businesses is mandatory. Our agency specializes in helping business owners find commercial insurance products like general liability, professional liability, property coverage, commercial auto, and more to know click this link fowleragencycorp.com
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have. Our licensed agents will help you determine the coverage you need to fit your lifestyle. There are a few other types of insurance that we recommend for small businesses in Michigan. Business is inherently risky, but General Liability insurance protects against many known and unknown risks. Finally, Thimble will look at factors such as your crew size, coverage amount and the number of years you’ve been in business before determining how much your premium will be. General liability insurance in Caro, Frankenmuth, Saginaw, Vassar, and surrounding areas.
You will have the opportunity to review your options and determine the level of coverage you need during your free consultation with Mason-McBride. If your business is damaged by a recent storm or a fire and you can’t operate, this policy helps protect you from financial loss. The policy may cover payroll, your lease, taxes, and some will cover a portion of lost profits. The coverage is usually capped at a specific length of time or until your business is up and running again. Most insurance companies exclude all damage caused by flooding (including ground flooding/rising waters). If your business is by a lake or at the bottom of a hill (i.e. in a known flood zone), you may want to consider a separate insurance policy.
While getting a quote for specific services is a straightforward process, requesting a quote for a small business can be complex. We take a consultative approach, working closely with our clients to help them make important and informed decisions every day when it comes to protection and their future. Ottawa Kent offers comprehensive general liability insurancethroughout Michigan, with offices in Jenison, Sparta, Holland, Byron Center and Martin. One of our insurance advisors will reach out to you to review your information and present you with the appropriate general liability insurance solution. General liability insurance throughout Michigan, with offices in Jenison, Sparta, Holland, Byron Center and Martin. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.
We’re often less expensive and easier to do business with than other insurance companies. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow. Garage liability insurance provides coverage for garages and car dealerships and will pay for liability or property damage resulting from the operation of the business. A business owners policy includes coverage for both business liability and business property.
These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts. Errors and omissions insurance (E&O) can help to protect your business from that specific type of risk. Coverage is typically capped at a specific dollar amount for your policy period. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Insurance One recommends that all professional and technology companies have E&O coverage.
We only share customer information with our insurance carriers to place business liability coverage. Visit the Department of Labor or search Standard Industrial Classification Codes for information about general liability insurance. A business owners’ policy is a bundle of coverages that insurance carriers usually offer small businesses.
Owning a restaurant in Michigan can be very challenging, one way to minimize your risk is to get the proper insurance… Covers against claims against your business for copyrighting purposes that you have advertised. Give us a call, stop by, or request a quote online to find out how much we can save you on your insurance.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies. We know how difficult it can be to find the best commercial insurance for your Michigan business. Whether you own apainting servicein Detroit, acleaning servicein Grand Haven, or a roofing business in Traverse City, we can help you find the perfect coverage for your specific needs.