Email us today!
Michigan Top-Rated Business Insurance
Work with an Oakland Insurance specialist today to protect your small business in Michigan. Secure your livelihood, your workers, and your legacy.
Request an Assessment
We'll Reply in 15min*
Oakland Insurance, Top-Rated Commercial Insurance Agency in Michigan
Independent insurance agents are professionals who work on behalf of the policyholder, not the insurance company. This allows them to shop around for the best coverage and rates from multiple carriers, rather than being limited to the products of just one company.
There are several reasons why a small business owner should consider working with an independent insurance agent for their small business liability insurance in Michigan. First, independent agents have access to a wide range of insurance products from multiple carriers, which means they can find the best coverage and rates to meet the specific needs of the business. They can also provide expert advice on coverage options and help the business owner navigate the complex world of insurance.
Second, independent agents are local experts who understand the unique risks and challenges facing small businesses in Michigan. They can help the business owner identify potential risks and develop a comprehensive insurance plan to protect against those risks. They also can provide the business owner with valuable resources and support, such as risk management and safety programs, to help them reduce their overall risk and lower their insurance costs.
Third, independent agents are committed to providing personal, responsive service to their clients. They are available to answer questions, address concerns, and provide guidance throughout the insurance process. They also work closely with their clients to review and update their coverage as the business evolves.
Fourth, independent agents are able to offer a variety of coverage options such as property, liability, workers' compensation, commercial auto and professional liability. They can also offer specialized coverage options such as cyber liability, which is becoming increasingly important for small businesses in today's digital age.
In conclusion, working with an independent insurance agent can offer a small business owner in Michigan many benefits such as access to a wide range of insurance products, expert advice, local expertise, responsive service, and specialized coverage options. An independent agent can help a small business owner navigate the complex world of insurance, identify potential risks, and develop a comprehensive insurance plan to protect their business.
Your Business Insurance Solutions
Workers Comp Insurance
Workers' compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a result of their job. These benefits may include medical expenses, lost wages, and disability payments.
COMMERCIAL AUTO INSURANCE
Commercial auto insurance is a type of insurance that covers vehicles used for business purposes. This includes cars, trucks, vans and other vehicles owned by a company and used by employees for work-related activities.
PROFESSIONAL LIABILITY
Professional liability insurance, also known as errors and omissions insurance, is a type of insurance that protects businesses and individuals from financial losses resulting from claims of professional negligence or failure to perform professional duties.
BUSINESS OWNERS POLICY (BOP INSURANCE)
Business Owners Policy (BOP) insurance is a package policy that combines general liability insurance and property insurance for small and medium-sized businesses. It is designed to provide coverage for common risks such as property damage, liability claims, and business interruption.
Our Process
Oakland Insurance has an efficient, customer-focused approach when working with business owners looking for business insurance in Michigan.
1. Consultation
This begins from the moment a business owner reaches out for business insurance. Our business mindset helps us approach every consultation process as an opportunity to learn about a business and its needs, so we can recommend the best business insurance coverage that fits their situation.
2. Insurance Options
We take pride in our attention to detail: from fine-tuning insurance plans to contacting multiple competing carriers, we ensure our clients receive effective business insurance solutions tailored to their unique goals and operations.
3. Claims
We know that the claims process can be complex and time-consuming. That’s why Oakland Insurance works with clients to file and track their claims quickly and efficiently, so they can get back to running their businesses with minimal disruption.
4. Customer Service
Oakland Insurance provides ongoing support and advice to clients who have questions about their business insurance policies or need additional coverage. Our experienced team is dedicated to helping our clients make informed decisions regarding their commercial insurance needs.
Contact us today to get started!
Industries Served In Michigan
Electrician
Insurance
Electricians typically need liability insurance to protect themselves from claims of property damage or bodily injury caused by their work.
Contractor Insurance
General contractors typically need workers' compensation insurance to cover medical expenses and lost wages for any on-the-job injuries.
Carpenters Insurance
Carpenters may need workers' compensation insurance to cover medical expenses and lost wages for any on-the-job injuries.
Auto Dealer
Insurance
Automobile dealer's may need physical damage insurance to cover damages to the vehicles on their lot and garage liability insurance to cover any injuries that occur on their premises.
Commercial Buildings Insurance
Commercial building owners typically need property insurance to protect their building and contents from damage or loss due to covered perils such as fire or theft.
Hotel & Motel Insurance
Hotels & Motels typically need may also need liability insurance to protect themselves from claims of bodily injury or property damage caused by their operations, and workers' compensation insurance to cover medical expenses and lost wages for any on-the-job injuries.
Cost of Business Insurance in Michigan
The cost of business insurance in Michigan can vary depending on a number of factors, including the type of business, its size, location, and the level of coverage needed. Some of the most common types of business insurance policies in Michigan include general liability insurance, property insurance, workers' compensation, and professional liability insurance.
General liability insurance is typically required for most businesses and can protect against claims of bodily injury or property damage caused by your business operations. The cost of this coverage can range from a few hundred dollars per year for a small business to several thousand dollars per year for a larger business.
Property insurance is another important type of coverage for businesses in Michigan and can protect against damage to buildings, equipment, and inventory. The cost of this coverage can vary depending on the value of the property and the level of protection needed.
Workers' compensation is mandatory for most businesses in Michigan and can protect against claims made by employees who are injured or become ill as a result of their work. The cost of this coverage is typically based on the number of employees and their salaries.
Professional liability insurance is often required for businesses that provide professional services, such as consulting or legal advice. This type of coverage can protect against claims of negligence or errors and omissions. The cost of this coverage can vary depending on the type of business and the level of protection needed.
Overall, the cost of business insurance in Michigan can vary widely depending on the specific needs of the business. It is important to work with a reputable insurance agent who can help you determine the right coverage for your business and provide you with competitive quotes.
Why Choose Us
Oakland Insurance offers comprehensive small business liability insurance in Michigan. Our experienced team will take the time to understand a client’s needs and provide tailored solutions that meet their unique requirements.
We offer competitive rates and have access to numerous carriers, so we can work with our customers to help them get the best coverage for their budget. Our commitment to providing exceptional customer service means we are always available for advice and support when needed.
Testimonials
What Our Commercial Insurance Clients Are Saying
