Customized Commercial Insurance
Policies For Michigan-Based Businesses
Michigan business owners work hard. Small businesses play a substantial role in Michigan’s economic landscape. Our team at Fitzpatrick Insurance knows how hard it is to run a small Michigan-based business. You have to wear every hat and fill every role.
Because we grapple with the same battles daily, we can confidently say that it’s important to have partners who are knowledgeable and trustworthy. One of the most important partners to select is the one who’s protecting your back daily. That’s why Fitzpatrick Insurance is the perfect partner to assist you with commercial insurance policies and coverage. Our agents have over 80+ years of combined experience in providing business insurance solutions to Michigan-based businesses. Let us help insure what’s important and essential, so you can get back to work doing what you do best.
Operations we write policies for include but aren’t limited to:
- Offices (Professional and Medical)
- Industrial and Manufacturing
- Short-term Vacation Rentals
- Long Term Residential Rental
- Retail
- Contractors and Construction Trades
- Garage and/or dealership operations (auto and other)
- Dining & Beverage (including liquor liability)
- Hospitality/Hotel
- And Much More, Call Us Today…
Business Owners Policies (BOP)
One thing every eligible business should consider is a Business Owner’s Policy. A Business Owner’s Policy (BOP) combines business property and liability coverage into a singular policy.
BOP insurance helps protect your business from the boogeymen that all owners dread, claims to result from things like fire, theft, or other covered disasters. Business owners’ insurance also helps cover claims that could arise from your business operations. This includes claims for injury to your employees or customers or property damage. They also include claims related to personal and advertising injury. A BOP helps cover the basics so you can sleep soundly at night.
Commercial Package Policies
For many businesses, BOP is a starting point and addresses some but not all of their coverage needs. This is where commercial package policies come in. A commercial package policy or a CPP is exactly what the name implies, a package or group of commercial policies. You can bundle coverage of equipment, general liability, auto, and much much more into a singular cohesive package, saving you money and headaches along the way.
Like most insurance policies though, the coverages contained in a commercial package policy vary and do not offer coverage for all types of claims. That’s where our team can step in and work with you to determine what coverages are included and what aren’t through the exclusions. It is important to have a trained professional agent review your policy to make sure the cost versus coverage profile is just right for your uniquely suited needs.