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  Insurance
  We collaborate closely to craft the ideal mix of extra protections, ensuring your enterprise is shielded against numerous complex risks in your field.
  
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  Professional Liability
  Policies designed to provide coverage for defense costs and damages due to claims of damage or injury arising out of the negligent performance of services (errors and omissions), the breach of the ‘standard of care’.
  
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  Business Owners Coverage
  Commercial Package Policies and Business Owners policies are Insurance policies that combine protection from all major property and liability risks in one package.
  
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  Workers Compensation
  Required in most states to pay benefits to workers injured on the job. It protects the employees from incurring medical debt or loss of wages due to an on the job injury.
  
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  Cyber Liability Coverage
  Commercial Auto
  Commercial Umbrella
  Bonds
  Directors and Officers Coverage
  Employment Practices Liability
  Commercial Inland Marine / Equipment Floaters
  International Coverage
  Surplus Lines
  Crime / Fiduciary Coverage
Personal
- Personal Insurance
  (Michigan Only)
  As an independent insurance agency, we offer a wide range of Personal Lines Insurance options from various carriers.
  
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  Homeowners
  A standard Homeowners policy will provide the appropriate dwelling and personal property coverage.
  
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  Automobile
  Automobile insurance is designed to protect you and your owned vehicles from physical damage, as well as liability claims.
  
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  Umbrella
  A personal umbrella policy ensures your family has the protection you need in case the unforeseeable happens.
  
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  Recreational Vehicles
  There are different policies designed to properly insure your specific watercraft or recreational vehicle insurance needs.
  
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commercial auto rates

Forces Driving Commercial Auto Insurance Costs

June 2, 2025

Forces Driving Commercial Auto Insurance Costs 1. BODILY INJURY LOSS COSTS Since 2020, bodily auto severity has increased 20%, while total loss claims have jumped by 29%.1 Factors contributing to…

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Business Owners Coverage

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Personal Insurance (Michigan Only)

Homeowners

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Umbrella

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commercial auto rates

Forces Driving Commercial Auto Insurance Costs

Commercial
Insurance

Personal Insurance
(Michigan Only)