There are a lot of considerations to take when it comes to commercial insurance, and can often be difficult to select the coverages you need to protect all of your businesses assets. That's where we come in. We understand that every business has unique, individual coverage needs and that determining those needs can be overwhelming. That's why we we're to help you identify those needs and find affordable, high quality coverage for your business. Work with an agent today to find out what coverages are in your best interest to stay protected from loss.
COMMERCIAL PROPERTY INSURANCE
A commercial property insurance policy is used to protect your business assets and real estate. Things can be included on this type of policy include office space, inventory, equipment, furniture, signage, and landscaping. Additional coverages like equipment breakdown, inland marine, business interruption, business income, and builders risk endorsements can be purchased to protect your business assets from a covered loss.
COMMERCIAL AUTO INSURANCE
The coverage on a commercial automobile insurance policy, sometimes referred to as a business auto policy, can provide coverage for liability, property damage, and physical damage. You can also add optional coverages for roadside assistance, hired and non-owned auto, loan/lease gap coverage, and towing. Just like a personal automobile policy, this is required by law to drive on public roadways in the State of Michigan.
Businesses in Michigan are requiredby law to carry worker's compensation insurance, which covers expenses related to an employees injury or illness resulting from their employment and job practices. this insurance policy provides coverage for your employees lost wages, medical expenses, and rehabilition costs. Additional coverages are available for your employees working in other states, an employees funeral costs and their dependents support, as well as a covered employees future compensation and wage loss.
LIQUOR LIABILITY INSURANCE
If you're in business of selling or furnishing alcoholic beverages at your place business then a Liquor LIability insurance policy is for you. This type of insurance policy kicks in when a business has been found legally liable for damages or injury resulting from alcohol served or furnished to a patron. Any business selling or serving alcohol should carry a liquor liability insurance policy.
COMMERCIAL LIABILITY INSURANCE
A commercial liability insurance policy rotects your business and business assets from legal judgements brought against the business by a third-party. This type of insurance policy often covers liability resulting from bodily injury, property damage, completed products or operations, personal injury, and advertising injury.
PROFESSIONAL LIABILITY INSURANCE
A professional liability insurance policy, also known as an errors & omissions policy, provides coverage for legal judgements and claims against a business for negligence, misrepresentation, or malpractice. This insurance policy provides coverage when a customer alleges that a business failed to deliver a service or product, deliver on a contract, or was careless when providing a service. It can also include coverage for defense costs associated with legal proceedings, copyright infringement, and personal injury such as libel or slander.
CYBER LIABILITY INSURANCE
If you're in the business of processing credit & debit card payments and handling sensitive information for customers and employees then you should consider purchasing a cyber liability insurance policy. A cyber liability insurance policy provides your business coverage in the event of a data breach resulting from a malicious attack, system failure, faulure to properly dispose sensitive data, or from a current or former employee's mishandling of sensitive information. A cyber liability policy usually consists ofcoverage for costs associated with defense, notification, crisis management, foresenic investigations, and third-party lawsuits.
EMPLOYENT PRACTICES LIABILITY INSURANCE
An Employment Practices Liability insurance policy provides a business with coverage for claims made b by employees or a third-party stating their legal rights have been violated. This type of policy is designed to cover the costs incurred from accusations of wrongful termination, sexual harassment, invasion of privacy, discrimination, wage & hour violations, emotional distress, breach of contract, and more. Any business that employs or interacts with a third-party should consider carrying this type of policy.