Insurance for lawyers in Michigan

Learn about business insurance requirements and the most common policies for lawyers in Michigan.

Which policies are required for Michigan lawyers?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by lawyers in Michigan, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Michigan requires most small businesses with employees to provide workers’ compensation insurance, which covers medical bills for work injuries. Businesses that own a vehicle must purchase commercial auto insurance and meet state requirements for auto liability coverage.

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What are the most common insurance policies for Michigan lawyers?

Michigan lawyers most often buy these insurance policies. You may need some or all of these policies depending on the specifics of your business, such as the number of employees and requirements outlined in contracts and leases.

Business owner's policy (BOP)

Small law firms often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

General liability insurance

General liability insurance is the foundation of a lawyer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

Michigan workers' compensation

Michigan law firms are required to carry workers’ compensation coverage if they have more than three employees at one time, or if they employ one employee for more than 35 hours per week for 13 weeks out of the year.

The coverage is optional for sole proprietors but still recommended, as health insurance can deny claims for work-related injuries. Workers' comp covers medical expenses and partial lost wages following a work injury.

Commercial auto insurance

Commercial auto insurance is required for business-owned vehicles, while hired and non-owned auto insurance (HNOA) covers vehicles that your business uses but does not own. This policy covers the cost of accidents involving a law firm's vehicle, including property damage and medical expenses.

Cyber liability insurance

Cyber liability insurance helps lawyers survive costly data breaches and cyberattacks. This policy can help pay for client notification costs, credit monitoring services, and other related expenses.

How much does insurance cost for lawyers in Michigan?

The typical lawyer in Michigan can expect to pay close to the national median for most business insurance policies, according to Insureon's customer data.

For example, the median annual cost of a business owner’s policy for a lawyer in Michigan is $1,006, slightly more than the national median of $1,000. However, lawyers in Michigan can expect to pay a median annual premium of $431 for workers’ compensation insurance, much less than the national median of $1,054.

Median insurance costs for Michigan lawyers.

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers in Michigan save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Michigan and can answer your questions as you consider coverage.

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