Commercial Insurance In Michigan
Small Business Insurance
For businesses of every size in Michigan, there are types of insurance that are required by the state. At Rossell Agency, we can show you the policies that are needed by your business as well as recommending other commercial policy types that can benefit you and your business.
Workers' Compensation Policies
For every business with at least one full-time employee, your business has to have workers' compensation insurance coverage. This covers incidents at work that result in injuries or illnesses on the job. This coverage benefits the company as much as it does the workers. Having that policy in place will protect your business against incidents that could result in costly medical bills.
Commercial Auto Insurance
Every Michigan vehicle that is owned by a business must have coverage from a commercial auto insurance policy. There are required minimums for the amount of injury liability both per person and per accident, and there is a mandatory minimum for property damage per accident. While those vehicles are required to have this commercial coverage, it is also recommended for personal vehicles that are often used for work purposes to have their own commercial insurance policies.
Recommended Coverage
Depending on the type of business you own, there may be other commercial insurance policy types that will also highly benefit you and your business. These include general liability insurance to cover incidents and accidents that happen in your workplace. Professional liability insurance coverage covers professionals who have the expertise that they use in their work. There are a multitude of mistakes that can happen for these professionals, and this type of coverage provides protection against them. Cyber liability insurance is an important policy for businesses that use a website or exist online. It can be helpful coverage against the all-too-common breach of data.
Your Commercial Insurance
If you need a commercial insurance policy, or you want better coverage than you have now, call us at the Rossell Agency in Michigan. We can walk you through all of these types of insurance so that you understand how each can benefit you.
