Business Insurance in Battle Creek, MI
Whether you’re starting a new business or have been operating in Michigan for years, Allen-Harmon-Kozhuharov Agency helps you find insurance options for your operations, assets and employees.
What Does Business Insurance Cover?
Standard business or commercial insurance coverage types may often include:
- General liability insurance may apply to claims involving another party’s bodily injury, property damage or personal injury.
- Commercial property insurance may cover your building, equipment, inventory and other physical assets against losses from fire, theft or other covered events.
- Business owners policies (BOPs) typically combine general liability and property insurance into one convenient package and are often ideal for small businesses.
- Workers’ compensation insurance can help with medical expenses and lost wages if an employee is injured at work. This is required for most Michigan businesses.
- Commercial auto insurance is also typically required by law and may cover losses involving vehicles used for business purposes.
- Professional liability insurance may apply to claims of negligence or mistakes in professional services. This is also known as errors and omissions insurance.
How Do I Choose the Right Coverage?
You may find these tips helpful when selecting coverage:
- Know your risks: Consider what can go wrong, like property damage or employee injuries.
- Check your options: Review different insurance types that may suit your business needs.
- Keep your policies updated: Your coverage may need changes as your business evolves.
- Get local advice: A local agent may help you find coverage that fits your location.
- Ask questions: Make sure you understand what your policy may or may not include.
Secure a Policy Today
Learn how we can help you get the coverage your business needs. Contact Allen-Harmon-Kozhuharov Agency to get a free custom quote.