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 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
Business or commercial auto insurance in Saginaw, MI, provides a variety of coverages for vehicles used by your business.
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 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.
Liquor liability insurance provides coverage for businesses that sell, serve, or distribute alcohol in case they are held legally responsible for damages or injuries caused by an intoxicated person. This includes incidents such as fights, accidents, or property damage resulting from alcohol consumption. It is especially important for bars, restaurants, caterers, and event venues, helping to protect them from costly lawsuits and legal fees related to alcohol-related incidents.
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.
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 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, 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
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 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 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:
