Michigan Small Business Insurance
Insurance customized for your small business in the Great Lake State
As Featured In
Rated 5 stars
As Featured In
Rated 5 stars
What makes Foxquilt different?
Tailored To Your Business
Create Your Policy In Just A Few Taps
Only Pay For What You Need
Rated 5 stars by business owners
See why other business owners, just like you, love Foxquilt's smarter coverage, 5-star service and insurance built for them.
Purchasing my small business insurance policy through Foxquilt was a BREEZE! My documents were sent to my email within minutes of my purchase. Thank you for making insurance easy for me!read more
Super impressed. Very user friendly site/application. Had my insurance policy within an hour! Super happy with the price, policy, coverage and overall serviceread more
Best customer service ever! Fair prices. Easy to understand and easy to access and navigate. Hands down, LOVE Foxquilt!read more
Insurance for Michigan Small Business Owners
What Insurance Coverages Should Michigan Small Businesses Have?
For most small businesses in Michigan, Commercial General Liability (or CGL) is a good starting place for insurance. Commercial General Liability is the foundation of small business insurance since it covers some of the most common business risks - property damage and third-party injury. It's not required by Michigan law to have CGL insurance as business owner but you'll come to find, as your business grows, that you'll be required by others to show proof of insurance. Typically, landlords, trade shows, marketplaces, partners, and so on will require to see proof of coverage.
As a small business owner, depending on your business, you may also want to consider having Commercial Property, Professional Liability (E&O), Cyber Insurance, Commercial Auto Insurance, and Mobile Equipment.
Like most of the US, Michigan requires most of its small business owners to have Workers' Compensation (or Workers' Comp.) This coverage supports your business with medical costs, lost wages, etc if someone on your team gets injured or ill due to their work. To check Michigan's Workers' Compensation requirements, check out our state guidelines checker.
Commercial General Liability
Commercial Property Insurance
Workers’ Compensation
How Foxquilt Insurance is Built for Michigan Small Business Owners
Foxquilt gives autonomy back to small business owners by allowing them to quote and purchase their insurance, online and whenever they want. Because of Foxquilt's online platform, all it takes are a few questions and you'll receive a customized policy that you can buy online. You'll even get your policy docs instantly over email.
Plus, Foxquilt knows how important cash flow is; that's why we offer flexible payment plans and accept credit card at no extra cost.
If you ever need an extra hand or just have a question during the online application, you can click the "Need Help" button to talk to a Foxquilt insurance expert.
Commercial General Liability Insurance Claim Examples
Client Injury
Property Damage
Workplace Injury
After cleaning a client's office, one of the floors was still wet without a warning sign, causing your client to slip and injure themselves.
Frequently Asked Questions
How Long Does It Take to Get Business Insurance in Michigan?
Sometimes getting insurance can take days or even weeks. With Foxquilt, it can take literal minutes because of our online process. Once you purchase (which you can do whenever, wherever) we send your policy documents instantly over email. Some businesses can be a bit more complex and we may need one of our Foxquilt experts to give it extra TLC. If that's the case, we'll still make sure to reach out and work with you quickly and efficiently.
Do you Need Business Experience to Get Insured in Michigan?
In Michigan, some insurance providers do prefer to only work with businesses that already have experience. At Foxquilt, that's not the case! We accept new ventures, experienced pros, and businesses in-between. We believe that no matter where you are in your journey that you still deserve the peace of mind of protection.
Where Can You Get Business Insurance in Michigan?
In Michigan, you can turn to the web and work with digital insurers, or look local with nearby agents or institutions. Before you decide to purchase, it's recommended to shop around with insurance to get a clear idea on quotes and the different benefits each provider offers. Some qualities to consider are: payment options, the time it'll take, and online functionalities.
How Do You Become an Michigan Foxquilt Partner?
We always love working with local agencies, enterprises, or wholesalers! If you think your clients could benefit from the Foxquilt difference, let's talk: https://www.foxquilt.com/partnerships.html
