Commercial Insurance Solutions
At Mid-Michigan Insurance Agency, we can create customized insurance solutions to help you guarantee the complete protection of your business. From workers compensation coverage to general liability, we have the products that will help enhance your business while protecting its vital assets.
We know that no two businesses are alike. Whether you need property insurance for your restaurant or dealer’s blanket coverage to protect the cars at your dealership, we can help meet your specific insurance needs.
Our experienced staff will tailor a package to protect your business and give you the peace of mind that comes with knowing you are covered.
Builder’s Risk insurance is coverage that protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Business Owners Policy
A business owners policy or BOP is a special type of commercial insurance designed for small and medium-sized businesses. By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies.
Commercial Property refers to buildings or land intended to generate a profit, either from capital gain or rental income. Commercial property includes office buildings, industrial property, medical centers, hotels, malls, retail stores, farm land, multifamily housing buildings, warehouses, and garages.
Commercial Auto insurance covers a company’s use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.
Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. Risks of this nature are typically excluded from traditional commercial general liability policies or at least are not specifically defined in traditional insurance products.
Commercial Package Policy
An insurance policy that contains more than one of the following coverage parts: commercial property, commercial general liability, commercial inland marine, commercial crime, boiler & machinery, employment practice liability and several other options are available.
General liability insurance protects a company and its employees from many types of incidents. This insurance covers bodily injury, property damage, product-completed liability, contractual liability, liquor liability, employer injuries, and damages from fire, lightning and explosion.
Excess and Umbrella Liability
Excess liability insurance provides insurance limits above and beyond a business’s primary liability policies. Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
Equipment breakdown coverage is a form of property insurance and is based on the happening of an “accident” from which the perils insured are identified. Equipment breakdown insurance is a “named perils” policy, as the perils insured are specified to dovetail with certain coverage exclusions in property policies.
Inland Marine Insurance
Inland marine covers a wide range of movable property and materials: property in transit, property in the custody of a bailee, property deemed to be an instrumentality of transportation or communication, such as bridges and radio towers.
Professional Liability protects professionals such as accountants, lawyers and physicians against negligence and other claims initiated by their clients.
Errors and Omissions
Errors and omissions insurance (E&O) is a professional liability insurance that protects companies and individuals against claims made by clients for inadequate work or negligent actions.
Workers’ Compensation Insurance protects employees under state laws, and provides medical care, death, disability and rehabilitation benefits for workers who are injured or killed while on the job.
EPLI – Employment Practice Liability
Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote.
Pollution insurance is a type of insurance that covers costs related to pollution. This can include the costs of restoration and cleanup, liability for injuries and deaths caused by pollution.
Garage & Auto Dealers
A commercial policy designed to address the needs of auto dealers. Coverages include garage liability, garagekeepers, and auto physical damage; other coverages are available by endorsement. It is typically purchased by automobile dealerships and repair shops that covers property damage and bodily injury resulting from the operations of an auto garage.