Frequently Asked Questions

Why do I need workman’s compensation insurance?

For starters, it’s the law. If you have employees, the state of Michigan requires that you carry Workers Comp insurance to protect your employees in the case that they are injured in the course of their work.

Do I really need general liability insurance?

The short answer is, yes. Although not required by law, general liability insurance will protect your business in the event that you cause bodily injury or property damage to others. Our comprehensive coverage can protect you from financial disaster.

Why do I need commercial auto insurance?

If your vehicles are regularly used in the course of your business, they may not be covered by your personal auto policy. A commercial auto policy will protect you and your business in the event of an accident that takes place during the course of your business operations.

What is cyber insurance?

Basically, small businesses in today's age experience data breaches, cyber attacks, and ransom demands on a daily basis. The average cost of a cyber attack can be devastating, running into the tens of thousands or even hundreds of thousands of dollars. Cyber insurance is designed to help you if you are found liable by your clients, and it also protects your business directly if you need to replace software. It covers you for both first- and third-party costs.

What is employment practices liability insurance?

This is often referred to as EPLI. It protects an employer should one of their employees make an accusation of wrongful termination, harassment in the workplace, discrimination in hiring or firing, wage disputes, etc. Volatility in the workplace has made it more important than ever for employers to protect themselves from potential lawsuits and claims against them. This protects you against claims  from your clients as well.