Business Insurance in Michigan

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Recommended insurance policies for small businesses in Michigan

General liability insurance icon

General liability insurance

Business liability insurance is important for all Michigan businesses. This policy covers common risks, including customer injuries. Most commercial leases require this coverage.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects Michigan businesses that provide professional services or advice. It covers lawsuits related to work performance.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Michigan businesses that handle credit card numbers and other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigation
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and commercial general liability coverage. It's a way for small, low-risk Michigan businesses to save money on insurance.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation is required for all Michigan businesses with at least one full-time employee or three part-time employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Michigan. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

  • Accidents involving business vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Michigan business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Michigan, from Detroit to Grand Rapids.

Blue check mark

Workers' compensation insurance

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 bills for work-related injuries and illnesses. It also provides disability benefits for injured Michigan workers.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Michigan must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Michigan requires both bodily injury coverage and personal injury protection (PIP):

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 for property damage in another state
  • $250,000 personal injury protection (or less for individuals enrolled in Medicare or Medicaid)

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

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

  • Type of business
  • Business operations
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Michigan's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Michigan, insurance agencies, agents, 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.

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