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Business/Commercial Insurance
Business/Commercial Insurance FAQ's
Welcome to the Business and Commercial Insurance section of John A. Barton Insurance, where we specialize in safeguarding Michigan businesses of all sizes and types. Navigating the complexities of business insurance in the Great Lakes State can be daunting, but our family-owned agency is here to guide you through every step. From mandatory workers’ compensation to customized liability protection, we offer a diverse range of coverage options tailored to the unique challenges and opportunities faced by Michigan businesses. Whether you run a startup in Ann Arbor or a well-established commercial enterprise, our dedicated team is committed to equipping your business with the right insurance solutions. At John A. Barton Insurance, we don't just insure your business; we partner with you for its success and growth.
What types of business insurance are required by law in Michigan?
In Michigan, businesses are required to have workers’ compensation insurance if they employ one or more workers. If the business owns vehicles, commercial auto insurance is also mandatory.
What is business interruption insurance, and should Michigan businesses consider it?
Business interruption insurance covers the loss of income a business suffers after a disaster. It's important for Michigan businesses, especially considering seasonal weather-related risks.
What is general liability insurance, and do I need it in Michigan?
General liability insurance protects against claims of bodily injury or property damage to others. While not legally required in Michigan, it's highly recommended to protect your business from potential lawsuits.
Are home-based businesses in Michigan covered under homeowners’ insurance?
Homeowners’ insurance typically offers limited or no coverage for home-based business activities. Separate business insurance is advisable for adequate protection.
What does workers’ compensation insurance cover in Michigan?
Workers’ compensation insurance covers medical expenses, rehabilitation costs, and lost wages for employees who are injured or become ill at work.
Do Michigan businesses need cyber liability insurance?
With the increasing risk of cyber threats, cyber liability insurance is becoming essential for businesses of all sizes to protect against data breaches and cyber-attacks.
Is professional liability insurance necessary for Michigan businesses?
Professional liability insurance, also known as errors and omissions insurance, is crucial for businesses that provide professional services or advice. It protects against claims of negligence, misrepresentation, or inaccurate advice.
How much business insurance coverage does a small business in Michigan need?
The amount of coverage depends on various factors like the type of business, the size of the business, the number of employees, and the risks associated with the business activities.
How does business property insurance work in Michigan?
Business property insurance covers the physical assets of a business, such as buildings, equipment, and inventory, against damage or loss due to events like fire, theft, or natural disasters.
Can I bundle different types of business insurance policies in Michigan?
Yes, many insurers in Michigan offer the option to bundle various types of business insurance, such as general liability and property insurance, often at a more cost-effective rate.
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