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 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
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Physical damage insurance includes collision and comprehensive coverage.
- Liability Insurance
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Liability insurance includes bodily injury, property damage, uninsured motorist and underinsured motorist coverage.
- Non-Owned Liability
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Hired and non-owned auto covers accidents involving vehicles that your business uses for work purposes but doesn’t own.
- Other Coverages
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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.
Legal expenses
IT forensics
Negotiation and payment of a ransomware demand
Data restoration
Breach notification to consumers
Public relations expertise
Credit Monitoring and Identity Restoration
Network security
Network Business Interruption
Media liability
Errors and omissions
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
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
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
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!
- Auto Repair Shops
- Auto Body Shops
- Auto Fleets
- Boutiques
- Brewery
- Cannabis
- Condominiums
- Contractors
- Farm
- Home Healthcare
- Hospice
- Landscapers
- Lessors Risks
- Liquor Liability
- Manufacturing
- Nonprofits
- Restaurants
- Retail Stores
- Snow Removal
- Tech Companies
- And more