COMMERCIAL COVERAGE BUILT AROUND HOW YOU OPERATE
Business Insurance in Michigan
Coverage Should Match the Business Behind the Application
Business insurance should reflect what your company does, owns, leases, transports, sells, installs, stores, and promises by contract. Customers First Insurance Group helps Michigan business owners compare coverage, identify meaningful gaps, and understand how limits, deductibles, endorsements, and exclusions affect the protection they are buying.
Liability and Contract Requirements
Property and Business Income
Vehicles, Employees, and Equipment
Professional and Cyber Exposures
Business Insurance Is More Than a General Liability Policy
Many businesses begin with general liability, but that policy addresses only part of the risk. Property, vehicles, employees, professional services, customer property, tools, cyber events, crime, equipment breakdown, and interruptions may require separate coverage or endorsements.
A contractor with work trucks and tools needs a different program than a restaurant, medical office, landlord, condo association, retailer, or technology company. We start with the operations and contracts, then connect the coverages that should work together.
General Liability and Umbrella
Protection for third-party bodily injury, property damage, personal and advertising injury, products-completed operations, and severe claims that may require excess limits.
Commercial Property and Business Income
Coverage for buildings, tenant improvements, inventory, equipment, and lost income or extra expense after a covered interruption.
Commercial Auto and Mobile Equipment
Coverage for company vehicles, hired and non-owned autos, drivers, attached equipment, tools, cargo, and other mobile exposures.
Workers’ Compensation and Professional Risks
Coverage for employee injuries, professional mistakes, cyber incidents, employment practices, bonds, and other exposures tied to how the company operates.
Industries We Know
Industry-specific details often decide which carrier and policy structure make sense. Explore coverage considerations for several of the businesses and organizations we work with most often.
Contractors and Trades
Liability, completed operations, tools, work vehicles, employees, contracts, and bonds.
Restaurants and Bars
Liquor liability, property, equipment, spoilage, delivery, employees, and business income.
Condo Associations
Master property, ordinance and law, D&O, crime, equipment breakdown, and umbrella.
Auto Repair and Garagekeepers
Garage liability, customer vehicles, tools, tow trucks, property, and pollution exposures.
Commercial Real Estate
Buildings, tenant mix, rental income, premises liability, equipment, and code upgrades.
Professional Offices
Professional liability, cyber, office property, employment practices, crime, and income.
Local Commercial Insurance Guidance for Michigan Businesses
Customers First Insurance Group works from Clear Creek Plaza in Chesterfield and serves New Baltimore, Macomb County, Metro Detroit, and businesses throughout Michigan. Owner Michael Vereecke has worked in insurance since 2009 and holds the Commercial Lines Coverage Specialist (CLCS) designation.
We help contractors, restaurants, bars, retailers, medical offices, professional firms, auto-service businesses, landlords, apartment owners, condo associations, landscapers, salons, medispas, and other growing organizations. Our role is to compare available carrier options and explain the differences—not simply hand you the lowest-priced proposal.
Michigan Business Insurance Questions
What types of business insurance might I need?
The answer depends on your operations, property, employees, vehicles, contracts, professional services, and customer exposures. Common coverages include general liability, commercial property, business income, commercial auto, workers’ compensation, professional liability, cyber liability, inland marine, crime, equipment breakdown, umbrella, and bonds.
Is general liability enough for a small business?
Often it is only a starting point. General liability does not automatically insure your building, equipment, lost income, employee injuries, professional errors, cyber events, vehicles, or every contractual obligation.
Can Customers First compare multiple commercial insurance carriers?
Yes. As an independent agency, we can approach multiple carriers when appropriate and compare price, limits, deductibles, endorsements, exclusions, and underwriting requirements.
What information helps with a business insurance review?
Useful information includes your current policies, renewal terms, business description, annual revenue, payroll, locations, vehicles, driver information, property values, equipment schedules, subcontractor use, contracts, loss history, and any certificate requirements.