All businesses need commercial insurance for protection against interruption of business, employee injury, theft and other unexpected circumstances. The type of commercial insurance you choose depends on the kind of business you operate. The following are the common types of insurance covers.
This cover protects against claims of bodily injury or damage to property caused by the products of a company. It is suitable for manufacturers, designers, and suppliers in Michigan. Even if you design your products carefully, there is always a possibility of accidents.
Some businesses cannot function without certain machinery and plants. They include; cranes, forklifts, concrete mixers and generators. You can get covers for owned or hired plants and machinery. The covers protect you against damage or theft.
This insurance cover protects a business from damage or loss of stock. The business is paid in cash to replace whatever they have lost. The cash paid is based on what the original stock was worth.
This insurance cover is one of the most covers for commercial insurance. It covers damages on your business building as a result of fire, vandalism and other unforeseen risks. Business building and contents insurance covers structures and whatever is in them.
If the activities of a business are interrupted, it can run into huge losses. Business interruption insurance helps businesses get through such times. It covers loss of income that comes with business interruption brought about by unforeseen risks such as fires or floods.
Most businesses work with hand tools or power tools and equipment. The loss or damage of tools and equipment can cripple the activities of a business. Tools and equipment insurance covers businesses from theft or damage of their tools and equipment.
At Alliance Financial & Insurance Agency, we offer Michigan policies for commercial and other insurance quotes in Grand Rapids, MI and the surrounding areas.
Visit us in Lowell, MI or use our online rating tool for home and auto insurance quotes.
I was nervous since our old agent had left the company but wasn’t informed. But once I got ahold of the agency, Sean built my confidence back in the agency. He has made the process very easy when making changes and most recent when we bought a new home and needed insureance. He ran the coverages with multiple carriers and got us the same coverages at s better rate! Thank you, Sean Pullen, for being quick to answer questions and making the process so easy!
Excellent experience! Sean was VERY responsive and answered all of my questions to my satisfaction. I was very impressed by the whole experience and will highly recommend your organization in the future. Thanks! Ben Cok
The process was very simple and Christian did a fantastic job. I've already referred a friend to AF&I. I appreciate what the company stands for and the involvement in the community.