Business Insurance

Your industry may have different challenges and insurance concerns, we can tailor a package that fits your risks

Business Insurance Coverage

Our top-rated companies work with local businesses as well as global providers to ensure even the worst disaster won’t affect your business adversely.

We pride ourselves in evaluating your business insurance needs in Michigan. We take the time to find out the different challenges your industry may have for insurance concerns and tailor a package that fits your risks. We also look at other exposures your business may have according to your personnel, location and future plans.

Business Owners Insurance Policy

These combine two coverages in one policy for your business

A business owners insurance policy, also known as a BOP, combines business property and business liability insurance into one convenient policy. Your business faces a variety of risks unique to your industry, but there are certain coverages that businesses need regardless of their size or business type. With the coverage and convenience of a BOP, you may be able to minimize property and liability risks so you can focus on the future of your business.

Cover your property

The first type of coverage in a BOP is property insurance. Property insurance may cover risks associated with your premises, equipment, and vehicles. In addition, it may often include any associated loss of business. This is essential coverage because it may help protect your business, assets, and income. For instance, a few of the coverages to consider in your business owners insurance policy are: Accidental damage, fire, loss of income, and theft.

Liability coverage for your business

The second type of coverage in a BOP is the business liability insurance. Business liability insurance may cover personal injuries to people you deal with and damages to their property. However, it’s important to note that liability insurance usually doesn’t cover risks related to professional services—meaning damages that result from you giving clients inaccurate advice, for instance. The liability coverage included in your business owners insurance policy is especially important if there is a risk of injury to people or damage to their property, or if you meet your clients at your business or theirs.

Insurance coverage tailored to your business

Having a business owners insurance policy means covering these risks in a single policy, which may help bring you peace of mind in a streamline, stress free manner. Policies are typically tailored to help cover your specific needs, and pricing varies depending on your business. However, it’s usually more cost efficient than buying separate policies for both commercial property and liability coverage.

General Liability Insurance.

Protection against the risk of damages

When you consider insurance coverage for your business your first thought will be to protect your buildings, staff and equipment. While this is important, the risk of damage to other people and businesses should be as well, because these losses could also leave you paying out large sums of money if you are held liable.

This policy mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage, such as one of your employees defaming a client. It’s important to note that this type of coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors and omissions insurance may help to protect your business from that specific type of risk.

Your business needs to have this type of policy if you ever meet clients at your business or theirs, or have any physical access to their equipment. Additionally, this coverage may be a requirement before some businesses will sign a contract with you.

Commercial Umbrella Insurance

Supplement your business policy

Commercial umbrella insurance is all about going one step further. It’s an added layer of protection that kicks in if the very worst happens with your business insurance policies. Essentially, if you go over your payout limit, it helps to cover the excess costs that you would otherwise need to pay for out of pocket. Most business insurance policies, whether they cover commercial liability or commercial property, have a payout limit. Normally, your business would be on the hook for any expenses above and beyond this limit. A commercial umbrella insurance policy kicks in if your main business insurance policy reaches the payout limit

Your commercial umbrella policy may cover the costs of legal fees, medical expenses, and damages for liability issues such as bodily injury and property damage.

The beauty of commercial umbrella insurance is that, because there’s a relatively low chance it will need to pay out, it may often be much cheaper to purchase than you might expect. The cost of your policy will vary depending on how much coverage you have, the size of your business, and the industry you are in.

Business Auto Insurance

A vehicle collision is never good news, but when it’s one of the cars or trucks owned by your business, the consequences are more complicated. Business auto insurance takes all the elements of normal auto coverage and adds on extra protection.

For example, when obtaining business auto insurance, you may usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, you can get collision insurance. This type of coverage pays out for damage to your vehicles no matter who caused the collision—a protection that’s often a must if you lease or finance commercial vehicles.

If your employees are using their own personal vehicles for business-related reasons and they get into an accident, your business might be held liable. With non-owned auto liability coverage, your business may be protected.

Commercial Property Insurance

Prepare your business for the worst

Fire, theft, and accidental damage are unfortunate incidents that could not only damage your property but could also devastate your business. Whether it’s your office building, equipment, or commercial vehicles, losing these assets could be a potentially critical setback for your business.

A commercial property insurance policy may help protect against the cost of replacing lost or damaged property. Additionally, insurance may cover any associated losses, such as lost income, that are caused because your business is temporarily unable to operate.

While coverage may vary from policy to policy, things like the building structure, equipment, fixtures, building contents, and the property of others are typically included in this type of coverage.

The cost of coverage will vary depending on a number of factors, including the type of building, the location it’s in, and the type of business you operate.

Daisy Insurance Agency

Let us put our 15+ years of experience to work for you and we promise you’ll find that our local support and personal service puts you in the best hands you can find in Michigan.


Customer Support

Visit our SUPPORT page for commonly needed forms.

Our COMMON TERMS page has definitions to some of the commonly used insurance words.

Contact Info
  • Fowlerville, MI
  • (517) 343-0003
  • (517) 201-2004
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