Running a business in Michigan, whether it’s a small startup or an established company, comes with a unique set of challenges. From managing day-to-day operations to ensuring long-term growth, business owners juggle multiple responsibilities. One of the most important decisions you can make as a Michigan-based business owner is securing the right commercial insurance. After all, having the proper coverage can be the difference between weathering a storm and being knocked out of business.
At Fitzpatrick Insurance, we understand the struggles that come with owning a business, and we’re here to help with customized commercial insurance policies designed to meet the specific needs of Michigan-based businesses. With over 80 years of combined experience, our team is dedicated to helping you protect what matters most – so you can focus on what you do best.
Why You Need Commercial Insurance
Insurance is often viewed as a necessary but sometimes overwhelming aspect of running a business. However, when done right, it provides peace of mind and the financial security needed to keep your business thriving. Michigan’s dynamic business environment requires a flexible approach to insurance that addresses the diverse risks businesses face.
Our team specializes in offering tailored commercial insurance solutions for various industries, including:
- Offices (Professional and Medical)
- Industrial and Manufacturing
- Short-term Vacation Rentals
- Long-term Residential Rentals
- Retail
- Contractors and Construction Trades
- Garage/Dealership Operations
- Dining and Beverage (including liquor liability)
- Hospitality/Hotels
If your business operates in any of these fields, having the right insurance coverage is crucial. But it’s not just about protecting your physical assets. It’s about ensuring that you’re covered for everything from liability claims to employee injuries, property damage, and beyond.
What Is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy (BOP) is one of the most common and effective types of coverage for small to medium-sized businesses. It combines property and liability coverage into a single policy, providing your business with essential protection. BOP insurance covers risks like fire, theft, and other disasters, while also helping with claims related to injury or damage caused by your business operations.
BOP insurance is an excellent starting point for many businesses, covering the basics and giving you peace of mind. However, for businesses that need more specialized protection, additional coverage options are available.
More Than Just the Basics: Commercial Package Policies
For many Michigan businesses, a Commercial Package Policy (CPP) is the next step after a BOP. A CPP allows you to bundle a range of coverage options, including general liability, commercial auto, equipment insurance, and more. This can save you both time and money while ensuring that your business is fully protected.
It’s essential to note that a CPP doesn’t cover everything. That’s where our team steps in. We work with you to assess your business’s unique risks and make sure you have the coverage you need while avoiding unnecessary exclusions. From commercial auto to workers compensation and professional liability, we ensure your policy is customized for your business.
Why Choose Fitzpatrick Insurance?
At Fitzpatrick Insurance, we take pride in being a trusted partner for Michigan-based businesses. Our agents are experts in Michigan insurance laws and can help you navigate the complexities of business insurance. Whether you need commercial auto, workers compensation, or a commercial umbrella policy, we’re here to provide you with the coverage you need at the right price.
We understand that your business is your livelihood. That’s why we work tirelessly to offer policies that give you the confidence to face whatever comes your way. To learn more about how commercial insurance can protect your Michigan-based business, visit our commercial insurance page.
Peace of Mind for Your Business
Insurance is more than just paperwork – it’s your business’s safety net. By partnering with Fitzpatrick Insurance, you ensure that your business has the protection it needs to grow and thrive, no matter what challenges arise. We’re here to help you make informed decisions and secure the best coverage possible.
