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        Business Owners Quote

        To request a quote for business insurance, complete this form.

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        We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans. 

        Property Insurance

        Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. 

        Property Insurance may cover two types of property losses: 

        • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
        • Indirect or consequential losses related to direct losses may also be covered.

        Commercial General Liability Insurance

        Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties. 

        Policies provide coverage for liability arising out of:

        • Premises and Operation
        • Fire Damage Liability (damage by fire to premises rented to insured)
        • Personal and Advertising Injury
        • Medical Payments
        • Products/Completed Operations

        You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you. 

        Business Auto Insurance

        Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business. 

        Workers' Compensation

        Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered. 

        Workers' Compensation provides for the payment of four types of benefits:

        • Medical benefits
        • Income benefits
        • Death benefits
        • Rehabilitation benefits

        A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services. 

        Contact us  today for more information about Commercial Insurance.

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        Our Locations

        Alpena
        514 N Ripley Blvd
        Alpena, MI 49707

        (989) 356-6133

        Hillman
        150 State St
        Hillman, MI 49746

        Local: (989) 742-4574

        Oscoda
        117 S State St
        Oscoda, MI 48750

        Local: (989) 739-1461

        Traverse City
        3183 Logan Valley Rd
        Traverse City, MI 49684

        Local: (231) 947-1164

        Mio
        607 S Morenci Ave
        Mio, MI 48647

        Local: (989) 826-3989

        Iron River
        117 W Genesee St, Ste 1
        Iron River, MI 49935

        Local: (906) 265-5137

        Petoskey
        455 Bay St, Ste C
        Petoskey, MI 49770

        Local: (231) 347-4610

        Gaylord
        440 W Main St, Ste F
        Gaylord, MI 49735-1401

        Local: (989) 705-8664