General liability covers common risks for small businesses in Michigan, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called professional liability insurance. It protects small professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects Michigan small businesses against data breaches and cyberattacks that affect your business or a client.
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Michigan small business.
Workers’ comp is required for Michigan small companies that have one or more full-time employees, or three part-time employees. It covers medical costs for work injuries.
This policy is required for vehicles owned by Michigan small businesses. It covers injuries and property damage in an accident, along with other types of damage.
Michigan state law requires private employers with one or more full-time employees, or three or more employees of any status, to carry workers’ compensation insurance. All public employers must carry this coverage.
Workers' comp insurance covers medical costs for work-related injuries and illnesses. It also provides disability benefits for injured Michigan workers.
Vehicles owned by small businesses in Michigan must be covered by commercial auto insurance.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Our agents are experts in insurance for Michigan technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the state’s Department of Insurance and Financial Services as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance and for surplus lines. You can verify our licensure on the department's insurance search page by entering our Michigan state ID, 0092090, into the "System ID Number” field.