The BEST Small Business Insurance Companies In Michigan (And What To Look For)

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First, it’s important to understand that the best insurance company for your business depends on the specific coverages you need. This will be influenced by factors like whether you own or lease the building you operate in and the type of business you run.
For example, a manufacturing company will have very different insurance needs compared to a retail store or a tech startup.
Some common coverages you might have in place or could be considering could be General Liability, Workers' Compensation, Commercial Auto, Property Insurance, Umbrella Insurance, Employment Practices Liability, or Cyber Insurance. The mix of coverages you need will impact which insurance company is the best fit for you.
And depending on your industry, some insurance companies might offer tailored policies that are designed to meet specific needs. For example, certain carriers are better suited for contractors or manufacturing businesses, while others specialize in retail or professional services. This makes it even more important to choose a company that understands the unique risks of your industry.
There are some excellent national carriers to consider, like Travelers, The Hartford, Liberty Mutual, Hanover, CNA, or Chubb. These companies often offer comprehensive options for a wide variety of businesses.
But don’t overlook regional carriers like Auto-Owners, Frankenmuth, Cincinnati, or Michigan Insurance-these can be fantastic choices as well, especially for businesses operating here in Michigan.
It’s also worth noting that not every insurance company is a fit for every type of business. Insurance companies will typically have specific types of businesses they specialize in, and this affects both the coverage options they offer and the pricing they can provide.
You might have also heard of direct-to-consumer companies like Next Insurance or BiBerk. These let you buy a policy online without an agent.
While that might sound convenient, it also means you’re acting as your own insurance agent. So if you miss a discount, misinterpret the coverage, or choose a policy that doesn’t actually fit your business needs, you’re taking on all that responsibility and liability yourself.
On the other hand, working with an independent agent like myself provides the added benefit of support if something does happen and you have a claim. We can help you navigate the claims process, which can be overwhelming, and allow you to focus on running your business and make sure everything is handled properly.
Also to note that in many cases, direct to consumer rates aren’t necessarily lower; in fact, they can often be higher because you might not get access to discounts that an independent agent would know about.
Additionally, independent agents can help you bundle policies with-like General Liability, Commercial Property, and Commercial Auto-with one insurance company, which can lead to significant savings and make managing your coverage simpler.
There are many great options for small business insurance in Michigan, whether you go with a national or regional carrier. The key is making sure you’re getting the right coverages for your business and working with a financially stable, reputable insurance company that will be there for you if you ever need to file a claim.That’s why working with an independent agent is such an advantage.
Instead of being locked into one carrier’s options, we can shop around and find the best fit for your business’s unique needs. It’s not just about finding the lowest price-but also about making sure you have the right coverage, the best value, and someone in your corner if you ever need help with your policy or a claim.
If you need help or have questions about your insurance, please feel free to reach out!
I look forward to working with you!
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**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.