Industries We Serve in Michigan
Business insurance starts with understanding your work.
A restaurant, repair shop, contractor, and condominium association can all carry liability insurance and still need very different protection. We start with what your business actually does, then help you understand the coverage choices, exclusions, and trade-offs that matter to your operation.
Explore your industry below, or contact Customers First Insurance Group if your business does not fit neatly into one category.
Contractors and Skilled Trades
Electrical, plumbing, HVAC, and other trade businesses face risks that follow them from job to job. We help review the work you perform, subcontractor use, tools and equipment, commercial vehicles, and contract requirements. Completed-operations coverage and restrictions on the types of projects you take deserve particular attention.
Restaurants, Bars, and Food Service
Your insurance should account for the kitchen, dining room, employees, and everything happening after the doors close. We help review liquor liability, property, equipment breakdown, spoilage, business income, delivery exposures, and employment-related risks. Hours, entertainment, cooking methods, and alcohol sales all shape the conversation.
Condominium Associations
An association policy needs to work with the governing documents and the responsibilities of unit owners. We help review building values, master-policy responsibilities, deductibles, general liability, directors and officers liability, crime, and equipment breakdown. The goal is to make responsibilities clearer before a loss creates questions.
Auto Repair Shops and Garages
A customer’s vehicle in your care creates a different exposure from an ordinary premises liability claim. We help repair shops review garage liability, garagekeepers coverage, tools, shop equipment, property, employee injuries, and commercial auto needs. Towing, test drives, storage, and the kinds of vehicles you service can affect available options.
Commercial Real Estate and Landlords
Apartment buildings, leased commercial spaces, and mixed-use properties need coverage that reflects occupancy and lease responsibilities. We help review building values, loss of rents, liability, equipment breakdown, and property restrictions. Vacancies, renovations, tenant operations, and building updates can change what a carrier will offer.
Professional Offices and Service Businesses
An office package may protect furniture and premises liability while leaving a gap for claims arising from your advice or services. We help review professional liability, cyber, business property, general liability, workers’ compensation, and employment practices as appropriate. The details depend on what you do, the information you hold, and the obligations you accept.
Explore professional offices and service businesses insurance
Other Businesses We Can Review
We also welcome inquiries from grocers, retailers, landscapers, salons, med spas, and other business owners. Activities such as medical treatments, delivery, manufacturing, or work on certain properties may require a more specialized review. Tell us exactly what you do so we can assess the fit with our markets.
For agricultural operations, explore our farm insurance page. For a broader overview of policy types, visit business insurance in Michigan.
Experience That Helps You Ask Better Questions
Owner Michael Vereecke has worked in insurance since 2009 and holds the Commercial Lines Coverage Specialist (CLCS) designation. From our office in Clear Creek Plaza in Chesterfield, we help business owners across New Baltimore, Macomb County, Metro Detroit, and Michigan look beyond the premium.
We ask about your contracts, employees, vehicles, property, customer responsibilities, and changes to your operations. Then we explain how the available policies respond, including restrictions that can make a meaningful difference when a claim happens.
Common Questions About the Industries We Serve
Understanding how your operations shape your insurance needs.
What types of businesses do you work with?
We help Michigan contractors, restaurants and bars, condominium associations, auto repair shops, commercial property owners, professional offices, and other businesses. This directory highlights industries with dedicated pages; it is not a complete list of the businesses we can review.
Can you help if my industry is not listed?
Yes. Contact us with a description of your operations, location, years in business, and the coverage you need. We can review the exposure and determine whether our available markets may fit. Carrier eligibility depends on the individual business.
Why does my industry matter when buying business insurance?
Two businesses with similar revenue can have very different claim exposures. Cooking, alcohol service, work at customers’ properties, custody of vehicles, or professional advice each changes the review. A business description helps identify coverage gaps and underwriting restrictions.
Do all businesses need the same insurance policies?
No. Property, liability, vehicles, employees, contracts, and professional services influence the coverage discussion. We help you understand which protections may apply and where separate policies or endorsements may be needed.
Can you review my current business insurance?
Yes. Current declarations, policy forms and endorsements, renewal information, and loss history help us compare the existing protection with your operations. Tell us about any changes, concerns, or contract requirements.
Can you help a new business?
We can review new-business inquiries. Share your planned opening date, ownership experience, operations, location, payroll, and expected revenue. Some carriers have experience or time-in-business requirements, so available options vary.
Do you help with certificates and contract insurance requirements?
We can review insurance requirements and discuss whether your policies support them. A certificate provides evidence of coverage; it does not itself add coverage or change a policy. Additional insured status and other requirements may need endorsements.
Do you work with businesses outside Chesterfield?
Yes. We are licensed in Michigan, Ohio, Indiana, Florida, and Nevada and can help businesses in all five states. From our office in Clear Creek Plaza in Chesterfield, we serve business owners in New Baltimore, Macomb County, Metro Detroit, and throughout Michigan, as well as Ohio, Indiana, Florida, and Nevada. Contact us about your location and operations so we can review the available coverage options.
How do I start a business coverage review?
Use the contact page or call 586-221-6870. Restaurant and bar owners can also use the inquiry form on their industry page. We will start with your operations, current insurance, and the questions you want answered.
Let’s Talk About Your Business
Tell us what you do, who you currently insure with, and which coverage questions concern you most. We can help you decide what deserves a closer look.