Business Insurance in Michigan (MI)

Obtenga una excelente cobertura en minutos
Solo debe hacer unos cuantos clics.

Small Business Insurance in Michigan

business insurance MichiganNearly two-thirds of Michigan business owners believe that The Mitten State has a positive business climate.1 It’s clear that small businesses play a significant role in Michigan’s economic landscape.
Over 886,500 small businesses call the Great Lake State home.2 These companies make up nearly all Michigan businesses and employ 1.9 million employees in the state.3
We know running a small business is hard work. That’s why business insurance is important. We’ve been providing business insurance in Michigan for over 80 years. You can help protect your company with seguro de negocio coverages from The Hartford.

Types of Small Business Insurance Offered in Michigan

Business Liability Insurance in Michigan

General liability insurance is one of the most important insurance policies Michigan business owners can have. It helps protect your business from claims that it caused bodily injury or property damage and other risks that can come up during normal business operations. This coverage is also known as business liability insurance and commercial general liability insurance.
liability insurance MichiganBusiness liability insurance in Michigan can help you if your:
  • Employee accidentally puts a hole in a client’s house in Grand Rapids.
  • Customer slips and falls in your Detroit business and sues you to cover their medical bills.
  • Rented business equipment gets damaged from a fire in Lansing.

Commercial Auto Insurance in Michigan

If your business has owned, rented or leased cars, having Michigan commercial auto insurance is a good idea. Commercial auto insurance helps protect you and your employees on the road if you’re driving business vehicles for work. It generally includes bodily injury liability and property damage liability coverages.
Commercial auto coverage can help protect your business if your:
  • Employee accidentally swerves off the road in Howell and crashes into a light post, causing damage to public property.
  • Delivery person crashes a commercial vehicle in Traverse City and damages another person’s car.
  • Maintenance person loses control of their company car and hits a telephone pole.

Michigan Data Breach Insurance

Data breach insurance helps your Michigan business respond to a breach if personally identifiable information gets lost or stolen. Some insurance companies refer to this coverage as cyber liability insurance.
If your business suffers a breach, this insurance can help pay your costs to:
  • Notify affected individuals.
  • Create a public relations campaign to improve your business’ reputation.
  • Offer credit monitoring services.
Data breach insurance is a good idea to have if your Michigan business:
  • Keeps sensitive and confidential customer information, like credit card information, Social Security numbers and bank account details.
  • Uses software to store personally identifiable information.
  • Has a network where private information and data about your clients, vendors or workers are stored by employees.

Michigan Business Income Insurance

If the unexpected happens, you may not be able to operate your Michigan small business, which can have a devastating effect on your company. Michigan business income insurance can help replace your business’ lost income if you can’t operate because of covered property damage.
Business income insurance can help cover your business’:
  • Nómina de Sueldos
  • Rent
  • Servicios
You may want to get this coverage if your:
  • Howell business relies on an office, computers or other company property to operate.
  • Detroit business depends on physical locations, tools or equipment to serve customers.
  • Grand Haven company relies on a brick-and-mortar store to sell products and create revenue.

Michigan Professional Liability Insurance

Every business owner tries to operate perfectly, but mistakes can happen. If they do, a customer can sue your business if it results in a financial loss. Professional liability insurance can help pay for your Michigan small business’ legal costs if it gets sued. It helps cover claims of:
  • Misrepresentation
  • Errors
  • Omissions
Professional liability insurance is also known as errors and omissions (E&O) insurance.

Michigan Minimum Business Insurance Requirements

The state of Michigan requires employers to provide workers’ compensation insurance for all employees who work 35 hours or more per week.4 This coverage gives benefits to your employees if they get a work-related injury or illness. These benefits can help:
  • Pay for medical care
  • Cover ongoing care bills
  • Replace lost wages
Workers’ compensation insurance can also help protect business owners. If an employee or their family sues you, this insurance can help pay your legal costs.

How Much Does Business Insurance in Michigan Cost Per Month?

Not all small businesses in Michigan are the same. Each business faces unique risks and has unique insurance coverage needs. Because of this, business insurance costs in Michigan vary anywhere from $100 to $1,000 a year.
Some factors that can affect your insurance cost include:
  • Claims history
  • How long you’ve been operating
  • Policy details, like coverage limits and deductibles
The best way to find out how much business insurance will cost you is to obtener una cotización.

Small Business Insurance in Monroe, Lansing and More

No matter where you are in Michigan, we can help protect your business, working to get you:
  • Business insurance in Kalamazoo, MI
  • Business insurance in Lansing, MI
  • Business insurance in Monroe, MI
  • Business insurance in Grand Rapids, MI
  • Business insurance in Howell, MI
  • Business insurance in Detroit, MI
  • Business insurance in Grand Haven, MI
  • Business insurance in Traverse City, MI

Get a Business Insurance Quote in Michigan Today

We’re an insurance company backed by experience. We’ve helped over 1 million small business owners protect their companies. Our dedicated team of specialists can help you get the right coverage your business needs. Obtenga una business insurance quote  hoy mismo.

Additional Michigan Business Insurance Links

2,3 US Small Business Administration Office of Advocacy, “2020 Small Business Profile: Michigan”
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.