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Comprehensive Coverage for What Matters Most 

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Business Insurance

A business owner’s insurance or package policy is an insurance plan that combines all the features of business property and general liability insurance. This type of policy typically protects business owners against property damage, perils, business interruption, and liability.

  • Building coverage is important to business owners as this covers the structure of the building the business is being operated out of. This can include tenants’ improvements and betterments if the building is being rented. The valuation of building coverage is typically replacement cost.

  • Business Personal Property is considered contents coverage. Contents can be determined by flipping the building upside down and everything falling out is contents coverage. Since contents are movable, it is important to review on and off premise limits, especially in today’s world of remote work.

  • Business interruption is also known as business income and extra expense coverage. In the event of a loss and your business incurs a financial loss or has to close down, business interruption insurance covers revenue lost or increase expenses operating elsewhere such as temporary locations.

  • General liability policies cover business owners in the event of being sued for third party bodily injury and property damage, reputational harm, advertising injury, damage to rental property, etc.

Business Auto

Commercial auto insurance is a type of car insurance specifically designed for vehicles used for business purposes. It’s a contract between you and your insurance company that outlines how your insurance company compensates you for financial losses if a business vehicle is involved in an accident or other problem covered by your policy.

  • Bodily Injury or Liability pays for injuries or damage to others if you are at fault in an auto accident. You may also be liable for pain and suffering for an injury or any economic damages resulting from the accident. With the auto reform in July 2020, the importance of higher bodily injury limits as well as an umbrella policy is more critical.

  • Opposite of bodily injury, un/under insured motorist coverage is insurance for you if you were injured in an auto accident and the other party is either uninsured or underinsured, you can then access your own policy if awarded by a judge. With 1 in 4 of drivers in Michigan driving without insurance, the importance of the coverage is critical.

  • Personal Injury Protection or medical benefits are a key coverage in the event of an injury during an auto accident. Auto insurance has the option to cover any related medical expenses on an unlimited basis with no deductible.

  • Hired and non-owned coverage covers vehicles that are used for business by either yourself or your employees for vehicles that the business does not own, lease, or rent. The coverage extends to vehicles that your employees own and are driving for business purposes. This does NOT cover the physical damage to the vehicle.

  • Coverage for Fire, theft, vandalism, falling objects, animal impact

  • Coverage is physical damage for your vehicle in the event the car is damaged. Types of collision range from standard collision to broad form collision. Valuation is determined by market value or agreed value.

  • Road Service

    Rental Reimbursement

    Full Glass

    Drive Other Car Coverage

    Broadened Personal Injury Protection

Worker’s Compensation

Coverage for an employee that is injured or sick resulting from their job responsibilities. This policy provides coverage for lost wages, medical care, ongoing care, funeral costs, and/or disability benefits for the employee.

  • Reduces out of pocket expenses for employers when an employee gets sick or injured on the job

  • Policy is rated based on estimated payroll incurred during the policy term

  • Business Owners can opt in or out of workers compensation benefits

Commercial Umbrella

The importance of an umbrella policy is to protect your business assets from liability claims made against your company. This coverage is an extra layer of liability only protection over your primary business policies and would respond to legal expenses and damages awarded up to the policy limit.

Limits are in increments of $1,000,000.

Questions to ask when considering what umbrella limit you should choose:

  • What is your overall exposure?

  • Do you sell to other businesses or to consumers directly?

  • Is there an auto exposure?

  • How many employees?

  • What is your revenue?

Management & Professional Liability

Management insurance shields company leaders from the financial risks of decision-making, while Professional Liability insurance protects professionals against claims of negligence in their services. Both insurances are crucial for maintaining financial stability and building trust with clients and stakeholders.

  • Professional Liability

  • Cyber Liability

  • Directors & Officers

  • Crime

  • Employment Practices

  • Fiduciary Liability

  • Kidnap & Ransom

Personal Auto Insurance

Important Coverages to consider when purchasing auto insurance are your liability limits, medical benefits (personal injury protection), and physical damage coverage (comprehensive and collision) on your car.

  • Bodily Injury or Liability pays for injuries or damage to others if you are at fault in an auto accident. You may also be liable for pain and suffering for an injury or any economic damages resulting from the accident. With the auto reform in July 2020, the importance of higher bodily injury limits as well as an umbrella policy is more critical.

  • Opposite of bodily injury, un/under insured motorist coverage is insurance for you if you were injured in an auto accident and the other party is either uninsured or underinsured, you can then access your own policy if awarded by a judge. With 1 in 4 of drivers in Michigan driving without insurance, the importance of the coverage is critical.

  • Personal Injury Protection or medical benefits are a key coverage in the event of an injury during an auto accident. Auto insurance has the option to cover any related medical expenses on an unlimited basis with no deductible.

  • Covers fire, theft, vandalism, falling objects, animal impact

  • Collision coverage is physical damage for your vehicle in the event the car is damaged. Types of collision range from standard collision to broad form collision. Valuation is determined by market value or agreed value.

  • Roadside

    Rental car reimbursement

    Gap coverage

    Full glass

Homeowners

Important Coverages to consider when purchasing home insurance are adequate valuation of your home coverage (coverage A), liability limit, and understanding the optional coverages that are available.

  • Coverage limit for the reconstruction of your home with the option of extended replacement cost or guaranteed replacement cost. Replacement cost differs from market value

  • Structures not attached to your main dwelling such as garage, pool, shed, gazebos, fences, barns

  • Coverage limit for personal property. If you flip your home upside down, everything that falls out or is considered personal property such as furniture, clothing, silverware, etc

  • Coverage for injuries suffered from an incident on premise

  • Equipment Breakdown

    Fungi/Mold

    Service Line

    Ordinance or Law

    Loss Assessment

    Water Back Up

Scheduled Items

Typically, there is a specified and inadequate (in most cases) limit for valuable articles and coverage limitations on a standard homeowner’s policy. 

Examples of valuable articles to schedule:

  • Jewelry

  • Watches

  • Fine Arts

  • Musical Instruments

  • Collectibles

Why to consider scheduling an item: 

When you schedule a qualified item whether it be itemized or blanketed, broader and worldwide coverage applies without a deductible.

Personal Umbrella

The importance of an umbrella policy is to protect your assets from liability claims made against you. This coverage is an extra layer of liability only protection over your home/auto/boat/rental policies.

Limits are in increments of $1,000,000.

Questions to ask when considering what umbrella limit you should choose:

  • What is the amount of equity in your home?

  • What is the value of all your personal possessions?

  • What is the lifetime learning potential?

  • What is the total value of savings accounts and other funds?

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