businesssituation
Business situation
Starting a business
The first certificate someone asks you for is the moment insurance becomes real. Getting the first policy right is easier than fixing it later.
Whatchanges
What changes
- Your personal policies exclude business activity; the home office and the work truck are not covered.
- Contracts, leases, and landlords will require general liability and name themselves on it.
- Once you hire, Michigan requires workers’ compensation.
What to do, in order
- Describe what you do in plain English; the classification drives everything.
- Start with general liability or a business owners policy; add commercial auto if a vehicle is used for work.
- Get an EIN and a business bank account before quoting — carriers ask.
- If you give advice or provide a licensed service, quote professional liability alongside.
- Ask what certificates you will need and have them ready before you bid.
Coverage
Coverage to check
Get business optionsStart with business. Then the rest.
More
Other business situations
Also worth a look.
Nextstep
Let’s see what the market can do for you.
Tell us what you need and where you are. We’ll show you the path before you give us a phone number.