Small Business Insurance in Michigan

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Find the Coverage Your Michigan Business Needs in a Few Easy Steps

  • Getting your Michigan Business Insured Doesn't Have to be Hard. Get Expert Advice to Make Coverage Choices Easy.

  • Make Sure Your Business is in Compliance with Michigan Laws

  • Customized Plans to Protect Your Michigan Business

Coverage Plans for All Your Needs

Starting a business in Michigan opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.


Essential coverage for your Michigan business

General Liability

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  • Bodily Injury
  • Damage to third party property
  • Personal Injury


When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

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All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records


When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

39 *

* Plus Workers Compensation

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All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees


When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

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  • Choose your coverage


We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Whether you’re looking to satisfy Michigan requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

How much Commercial Liability Insurance is required in Michigan?

Commercial Liability Insurance coverage isn't mandatory in Michigan, but is a wise way to protect your business. When purchasing liability coverage, bear in mind that any liability judgement amounts in excess of your coverage limit have to be paid by your business.

My employees use trucks for delivering goods and services, what insurance is required Michigan?

If your Michigan business is uses vehicles in the course of business, you'll need Commercial Auto Insurance. Minimum liability coverage amounts for bodily injury are $20,000 per person for bodily and $40,000 for all persons. Property damage liability coverage has to be at least $10,000.

What are the requirements to get an insurance quote in Michigan?

The type of documentation you'll need depends on the type of insurance you're buying for your Michigan business. Typically, you'll need your state business licenses, payroll and sales figures, vehicle information, and claims history.

I only have one employee, do I need a Workers Comp in Michigan?

By Michigan law, most employers regularly employing 1 or more employees with a minimum of 35 hours per week for 13 weeks or more are required to purchase Workers' Compensation coverage. Employers with 3 or more employees, including part-time, may also be required to provide coverage for workers.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Quick and Easy!

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Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

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Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Small Businesses in Michigan

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA Office of Detroit, Michigan

477 Michigan Avenue Suite 515, McNamara Building, Detroit, Michigan, 48226
Mon through Fri from 8:30 AM to 4:30 PM
Visit the website

Michigan Department of Insurance and Financial Services

530 W Allegan St, 7th Floor, Lansing, Michigan, 48933
Mon through Fri from 8:00 AM to 5:00 PM
Visit the website