Insurance coverage and risk management solutions for companies in various industries.
Specialized business insurance throughout Michigan.
Different businesses have different insurance needs. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.
Which business insurance is right for your company?
Explore how having the right business insurance can protect your company from the unexpected.
The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?
Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.
When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.
Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.
You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.
Brewery Insurance
Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance and general business insurance to develop one, simpler policy.
Child Care Center Insurance
Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.
Church Insurance
A church is so much more than a place of worship—it's also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.
Contractor Insurance
Contractor insurance isn't one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business' unique needs are protected.
Condo Building Insurance
Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.
Dealership Insurance
The risks associated with owning a dealership are diverse, no matter what you sell. From workers' comp to coverage for customers' vehicles, we'll help you navigate the complexities and design a policy that keeps your business running smoothly.
Distillery Insurance
Because of the unique type of industry you are in, your distillery could take on the attributes of many other businesses. From production and storage to transportation and customer service, the variety of angles you work in creates a need for industry-specific insurance.
Fitness Center Insurance
As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.
Fleet Insurance
Fleet insurance is the simplest way to cover all of the cars and trucks owned by your company with a single policy.
Garage Repair Shop Insurance
Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.
Golf Course Insurance
Golf is a relaxing pastime that many people enjoy, but operating a golf course isn't such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.
Hospitality Insurance
For your guests, your hotel, motel, inn, or bed and breakfast is a home away from home. For you, it’s your livelihood. Having the proper hospitality insurance coverage to protect your business means taking care of what’s yours, as well as your guests and their belongings.
International Business Insurance
Conducting business outside the country comes with its own unique set of risks and liabilities. Coverage options vary, so our experts will sit down with you to determine what your business' needs are and how we can keep them protected.
Landlord and Rental Property Insurance
Because properties can vary greatly in many ways, an off-the-shelf insurance package won’t likely be the right fit. Your location, building specifics, and the number of dwelling units all may factor into your insurance policies. It’s important to understand the unique nature of your risks based on the type of property you are insuring.
Landscaping Services Insurance
Every business has the potential to harm, damage, or injure another business or person. However, it’s not so simple for landscapers because the bulk of work performed is on your clients’ properties. That’s why landscaping services insurance is important to consider.
Manufacturer Insurance
Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you're in, there's one thing in common: the need to protect your business. We can help you design the right manufacturer's insurance policy.
Marijuana Insurance
In a relatively new industry like cannabis, it's often confusing to know what type of coverage you need. From general liability to product storage, we'll help you sort out the risks and design a policy that helps your business as it grows.
Medical Office Insurance
Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.
Non-Profit Insurance
Even though your organization's goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We'll help you design a non-profit insurance policy that covers your organization's unique needs.
Pet Business Insurance
There are many different types of businesses in the pet industry. You might own a retail establishment, a non-profit that handles pet adoptions, a training business, or a grooming shop. You could even have a combination of specialties. Whatever services your business offers for pets and their owners, one thing is for certain. You need pet business insurance that offers coverage for the unique needs of your operation.
Professional Services Insurance
When your business handles services that are very personal, it's important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.
Property Manager Insurance
If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we'll help you navigate the world of property manager insurance and design coverage that's a perfect fit.
Real Estate Investor Insurance
Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We'll help manage those risks and keep your investment protected.
Restaurant Insurance
Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
Retail Business Insurance
As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.
School Insurance
Schools can be a second home for the families they serve. Protecting this community hub is crucial. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.
Technology Firm Insurance
Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.
Trucking Insurance
Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.
Wholesaler and Distributor Insurance
As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.
Winery Insurance
Wineries have elements of many types of businesses – they’re part manufacturer, part event venue, and some may offer a wine bar that’s open to the public. Insurance for these unique risks requires specialized coverage.