Michigan Business Insurance

Customized protection for your Michigan business

Small business owners in Michigan should consider business insurance to protect against risks associated with their business property, employees and daily operations. Choosing to run a business without insurance can result in debts that can put a business’s future at risk.

In 2022, private sector businesses accounted for nearly 80% of Michigan’s 104,800 non-fatal workplace injuries, according to the Bureau of Labor Statistics. Business insurance helps minimize the business disruptions and financial damages that often result from incidents like these.

The Progressive Advantage® Business Program can help you find the business insurance you need to safeguard your livelihood. Shop for general liability, professional liability, a business owners policy (BOP) and more.

Types of MI business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Michigan should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Michigan businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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Michigan business insurance cost

The cost of a Michigan business insurance policy depends mostly on your profession. Businesses are typically rated on the exposures that are unique to their industry. For example, a roofing contractor can expect to pay more for coverage because their job is physical and requires working high off the ground.

Other factors that affect your cost include your coverage needs, business size and location. For example, a business located in Detroit can expect a different rate than one located in Grand Rapids, and a business that has employees might pay more than a business that doesn’t.

Michigan business insurance requirements

Michigan state law doesn't require business insurance except for workers' compensation. Private employers are required to have coverage if they have one or more employees who work more than 35 hours per week. This rule also applies if they regularly employ three or more employees at one time.

Other criteria exist for agricultural, domestic and public employers. Learn more about workers’ compensation in Michigan to find out if it’s mandatory for your business.

While Michigan doesn’t require other business coverages, such as general liability and professional liability, many employers and prospective clients do. Their contracts often specify the types and amounts of coverage you need before you can begin working with them.

Resources for Michigan small business owners:

Michigan professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

  1. Options

  2. Experts

  3. Convenience

Business insurance for all Michigan cities

We can customize business insurance in all Michigan cities, including, but not limited to:

  • Detroit
  • Grand Rapids
  • Warren
  • Sterling Heights
  • Ann Arbor
  • Lansing
  • Flint
  • Dearborn
  • Livonia
  • Troy

More information

Man with Michigan business insurance works in a commercial van

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