Click here to see, More in This Category

MICHIGAN BUSINESS INSURANCE

Protect your company with a tailored commercial insurance policy from Selective and your independent agent.

From the bustling cityscape of Detroit to the Great Lakes, Michigan has a diverse economic landscape that includes manufacturing, automotive, construction, and technology businesses.

Comprehensive coverage is essential to protect against general and industry-specific risks regardless of where you operate.

With a deep network of agency partners across the state, you can trust Selective to craft a business insurance policy tailored to your commercial coverage needs.

Find an Agent

Businesses We Insure in Michigan

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Michigan businesses of almost any size, including, but not limited to:

Contractors – general contractors (residential and commercial), electrical, carpentry, water and sewer, street and road, excavating and grading, masonry and stone setting
Builders Risk – scaffolding, falsework, construction forms, foundations, paving, curbing, fencing, retaining walls, outdoor fixtures
Manufacturers and Wholesalers – wholesale durables, industrial machinery, furniture and fixtures, rubber and plastics, apparel
Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms
Mercantile Services – retail food, retail goods, public golf courses
Auto Services – including repair shops and body shops
Consumer Assistance Programs – social services, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in Michigan for answers and a business insurance quote.

Michigan Business Insurance from Selective

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution tailored to you.

Business Interruption

Business interruption insurance helps protect your company against income loss in case of a covered incident that forces you to suspend business operations. This type of insurance also assists with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. However, there are additional coverages you can purchase to help protect against these risks.

Business liability insurance in Michigan can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. It may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may damage your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about Michigan business insurance from Selective.

“Took care of all my needs ASAP.”

Commercial Customer

Additional Coverages for Michigan Businesses

Selective offers a variety of insurance coverages and enhancements in Michigan that can help address specific risks in your business, including:

Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
Commercial Flood Insurance in Michigan helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It can also protect you if there is a loss of contents, including furniture, equipment, inventory, and more.
Product Recall Coverage can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

Cyber Liability Insurance for Michigan Businesses

Cyberattacks are a growing risk that all Michigan businesses should prepare for. Selective's Cyber Liability Insurance can help protect your business against losses related to cybercrime.

Click here to Get Cyber Liability Insurance about

Cyber Liability Insurance for Michigan Businesses

Get a Business Owners Policy in Michigan

A Business Owners Policy (BOP) is a practical insurance solution that can help protect your business's assets against losses caused by property damage, lawsuits, or other accidents. Instead of purchasing separate policies for property, liability, and business income insurance, a BOP conveniently bundles these basic coverages into a single, budget-friendly insurance policy.

Your independent Michigan Insurance agent can help you decide if a Business Owners Policy meets your needs.

FIND AN LOCAL INDEPENDENT INSURANCE AGENT IN MICHIGAN

Click here to search agent

Include Selective Flood Agents

FREQUENTLY ASKED QUESTIONS ABOUT MICHIGAN BUSINESS INSURANCE

How Much Does Business Insurance Cost in Michigan?

The cost of commercial insurance varies from business to business in Michigan. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in Michigan?

Businesses in Michigan must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under Michigan law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.