Commercial Insurance for Michigan Businesses

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 know’s 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 that 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)
    • Long and Short term Residential Rentals
    • Long and Short term Commercial Rentals
  • Industrial and Manufacturing
  • Hospitality
  • Retail
  • Contractors and Construction Trades
  • Garage and/or dealership operations (auto and other)
  • Dining & Beverage (including liquor liability)
  • Hospitality/Hotel
  • Motor Carrier, Trucking, and Logistics

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. 

Business vehicles can be a large investment for your business. As the name implies, commercial auto insurance policies cover vehicles used for business purposes such as cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries for your employees whereas personal auto policies simply don't go far enough. We can write everything from single-vehicle operations to an entire fleet!

Looking for extra peace of mind and an added layer of protection for your business? A commercial umbrella policy may be for you. Without a commercial umbrella policy, you could be liable for related expenses in excess to your policy depending on the reason for your claim like:

  • Legal Expenses
  • Medical Bills
  • Legal Judgement and Settlements
  • Damage to Other's Property

Umbrella policies can be used to extend coverage limitations on other policies like commercial auto insurance and general liability. Give us a call to see if a commercial umbrella policy is right for your business.

In the State of Michigan, employers must carry workers compensation coverage if:

  • Regularly employ 1 or more employees 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.
  • Regularly employ 3 or more employees at one time. (This includes part-time employees)
  • Are Agricultural employers that employ 3 or more employees 35 hours or more per week for 13 or more consecutive weeks.
  • Are a public employer

Fitzpatrick offers a variety of carriers and options for Worker's compensation insurance and can assist your business in getting coverage. 

Michigan farmers are some of the hardest working folks we know. Specialized industries call for specialized solutions. Farm package policies are special insurance instruments and policies designed to cover agricultural businesses. Farm and ranch insurance are typically highly customized policies tailored to the needs and operations of a particular farm. While you start with the basics like liability and commercial auto insurance, additional options based on the needs of each farm's day-to-day can be added to create optimal coverage.

The bedrock of any business is the people that make the operations run. The unavoidable truth is though that as humans, we are bound to make mistakes. Professional liability insurance makes a lot of sense for businesses where risk is of a particular facet or magnitude. The team at Fitzpatrick has you covered though. 

Depending on your industry (such as medical malpractice insurance for the healthcare industry or errors and emissions for professional services), professional liability insurance may go by different names. These policies help protect businesses against claims of negligence, mistakes, malpractice, and misrepresentation. 

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