Who we cover
We insure the shops, crews and practices
that run Michigan.
1982
Writing Michigan business since
30+
Markets competing for your account
24 hours
Typical certificate turnaround
2
Michigan offices, one commercial desk
Business coverage, by what you do
Construction & the trades
Residential and commercial builders, concrete, electrical, roofing and mechanical. The certificate has to match the contract, and the subs have to be covered.
Automotive suppliers & manufacturing
Product liability and recall, tooling and dies you do not own, business interruption when one press goes down.
Restaurants & food service
A full bar changes the risk profile entirely. Add a hood fire, a walk-in that fails overnight, and a patio that earns a disproportionate share of the year's margin.
Landscaping & snow removal
Slip-and-fall claims from a January lot, hold-harmless language in every plowing contract, and seasonal payroll that swings.
Real estate & property management
One claim can arrive from any door in the portfolio. Management carries its own professional exposure, and every sidewalk is a February liability.
Retail & storefronts
Shops, boutiques and showrooms. A customer falls, stock is ruined, or the buildout you financed burns — and the doors stay shut while it is rebuilt.
Professional services
Firms, agencies, consultancies and accountants. The exposure is advice, not property — and a client file that gets breached.
Trucking & logistics
Motor truck cargo, filings, radius of operation, and driver hiring standards the carrier will actually audit.
Home services
Crews working unsupervised in somebody else's house, and a van full of equipment parked on the street at 2am.
Nonprofits & associations
Boards that need protecting, volunteers who need covering, and a fundraiser the venue will not let you hold without paperwork.
Auto service & repair
Independent shops, collision and tire. Someone else's car in your bay is a different coverage than your own building.
Medical & wellness practices
Dental, chiropractic, physical therapy, aesthetics and specialty clinics. We coordinate with your malpractice carrier rather than around it.
Your trade is not a tile? Ask anyway.
Start here
Five coverages nearly every Michigan business needs
01
General liability
02
Commercial property
03
Workers' compensation
04
Commercial auto
05
Umbrella
How the relationship actually works
No parent company
We answer to the market, not a brand
No parent company decides where your submission goes. We send it to the markets with a genuine appetite for your class — and when a carrier's appetite shifts, as it does, we move you rather than defend them.
Paperwork
Certificates out the same day, usually
Forward the request along with the contract wording. Where your policy already supports it, the certificate normally goes out the same business day. Where it does not, you hear the cost of adding the endorsement immediately — not once you are already on site.
Year-end
Nobody faces the audit alone
Class codes, sub certificates, officer elections. We revise your payroll estimate as the year moves so the true-up is not a shock in month twelve, and we take a wrong classification up with the carrier ourselves.