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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.

          Click here for Frequently Asked Questions

          Our Locations

          514 N Ripley Blvd
          Alpena, MI 49707

          (989) 356-6133

          150 State St
          Hillman, MI 49746

          Local: (989) 742-4574

          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

          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

          455 Bay St, Ste C
          Petoskey, MI 49770

          Local: (231) 347-4610

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

          Local: (989) 705-8664