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Auto Insurance
Business and Commercial Insurance
Property and Homeowner Insurance
- What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto Insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Property and Homeowner Insurance
Business and Commercial Insurance
Property and Homeowner Insurance
Everyone's needs are not the same, it is best to consult your agent to help you assess your needs and find the insurance policy that is right for you.
What is Homeowner Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a packaged policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This include damage caused by household pets.
Damage Caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowner's responsibility.
Business and Commercial Insurance
Business and Commercial Insurance
Business and Commercial Insurance
As a business-owner, you need the some kind of insurance coverages for the car or the business. Small business owners in Michigan should consider business insurance to protect against risks associated with their business property, employees and daily operations.
Types of MI business insurance
1. General liability
2. Worker Compensation
3. Commercial Auto
The cost of a Michigan business insurance policy depends mostly on your profession. Businesses are typically rated on the exposures that are unique to their industry.