Business Insurance in Michigan

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What are the requirements for small business insurance in Michigan?

State laws can affect which insurance policies you need for your small business. These policies are required for Michigan businesses.
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Workers' compensation insurance

Michigan state law requires businesses with one or more full-time employees or three or more part-time employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Michigan must be covered by commercial auto insurance. Michigan requires $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

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.

Recommended insurance policies for small businesses in Michigan

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Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following Michigan professions and more:

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Michigan business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Michigan business insurance

In Michigan, insurance agents, agencies, and brokers are licensed by the state’s Department of Insurance and Financial Services. Insureon is licensed in Michigan as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance and for surplus lines. You can verify our licensure with the Department of Insurance and Financial Services on its insurance search page by entering our Michigan state ID, 0092090, into the "System ID Number” field.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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