Business Insurance for Small to Large Business

General Liability

Protects your Michigan business with commercial insurance from financial loss resulting from claims of injury or damage caused to others by you or your employees.

Coverages:

•  Bodily Injury

•  Property Damage

•  Personal Injury

•  Advertising Injury

•  Legal Defense and Judgements

Commercial Property Insurance

Commercial property insurance in Saginaw, MI, covers your building and your business personal property, including:

•  Computers

•  Furniture and equipment

•  Exterior signs

•  Fence and landscaping

•  Important documents

•  Inventory

•  Others’ property

commercial property insurance | Future Insurance Agency

Commercial Auto Insurance

Business or commercial auto insurance in Saginaw, MI, provides a variety of coverages for vehicles used by your business.

There are some basic parts of every policy:

Physical damage insurance includes collision and comprehensive coverage.

Liability insurance includes bodily injury, property damage, uninsured motorist and underinsured motorist coverage.

Hired and non-owned auto covers accidents involving vehicles that your business uses for work purposes but doesn’t own.

Other coverages including towing, rental reimbursement, glass repair/replacement.

Physical Damage

Physical damage insurance includes collision and comprehensive coverage.

Liability Insurance

Liability insurance includes bodily injury, property damage, uninsured motorist and underinsured motorist coverage.

Non-Owned Liability

Hired and non-owned auto covers accidents involving vehicles that your business uses for work purposes but doesn’t own.

Other Coverages

Other coverages including towing, rental reimbursement, glass repair/replacement.

Cyber Liability & Data Breach

Cyber Liability protects your business from risks that come from using technology. This can include targeted attacks, such as malware and phishing, as well as the misplaced laptop containing confidential material. If your business computer system is breached by an attack, you may be responsible for the notification costs to inform the affected parties and provide credit monitoring.

Crime

A commercial crime policy typically provides several different types of crime coverage, such as:

•  Employee dishonesty

•  Forgery or alteration

•  Funds transfer fraud

•  Money and securities

•  Counterfeit money

crime policy coverage | Future Insurance Agency

Commercial Umbrella

Commercial umbrella insurance in Saginaw, MI offers an extra layer of liability protection for your business. The umbrella provides additional coverage if your business’s auto liability, general liability or other liability coverage limits are exhausted from a claim.

Employment Practices Liability

Employment practices liability, also known as EPL, is coverage for wrongful acts arising from the employment process. EPL insurance responds with defense costs and damages related to employment-related claims made by employees alleging:

•  Discrimination

•  Wrongful termination

•  Harassment and retaliation

•  Many other employment-related issues

employment practices liability | Future Insurance Agency

Business Owners Policy (BOP)

A business owners policy combines protection from all major property and liability risks in one package for certain small and mid-sized businesses. Businesses can tailor their BOP to meet their unique needs by adding optional coverages such as:

  • Data Breach

  • Business income for off-premises utility services

  • Other specialized coverages

Errors & Omissions Liability

Errors and omission liability, also known as E & O or professional liability, protects your business from claims for negligent acts or mistakes committed during business or professional activities that result in a financial loss. E&O insurance policies cover claims for:

•  Negligence

•  Errors in services given

•  Omissions

•  Misrepresentation

•  Violation of good faith and fair dealing

•  Inaccurate advice

errors and omissions insurance | Future Insurance Agency

Directors & Officers Liability

Directors and officer’s liability, also known as D&O, provides coverage for directors and officers for claims made against them while serving on a board of directors and/or as an officer. It protects them against legal expenses if they are sued for a decision they made that led to a financial loss including:

Mismanaged funds
Employee grievances
Slander, libel, and copyright infringement claims
Failure to follow organizational bylaws
Failure to comply with regulations

Types of businesses we insure… and more!

  • Nonprofits
  • Restaurants
  • Retail Stores
  • Snow Removal
  • Tech Companies
  • And more