Clinton Business Insurance

(Find the right business insurance policy for you.)

Emily Colosimo is an insurance writer from TrustedChoice.com. She has been a writer since 2014 with a bachelor's degree in Public Relations. Emily has advanced her copywriting and SEO skills with prior work at multiple non-profit organizations around the world.

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There are 540 job-related accidents per hour across the nation, which is an accident every seven seconds. From manufacturing to retail trade, these employers and employees are the backbone of the local economy in Clinton and it is important to make sure that they are protected. If tragedy strikes, business insurance will help shield these companies.

A local independent insurance agent can help you create a commercial insurance plan that will provide coverage against all potential risks. Contact an agent today to start comparing Clinton commercial insurance quotes.

Why Do Businesses in Clinton, Michigan Need Liability Insurance?

Owning a business is inherently risky. Last year ,liability lawsuits resulted in an average of $1.5 million per case. That is why liability insurance is an important piece in your commercial insurance coverage. This will help cover the cost of legal defense fees and financial damages.

Your business insurance policy will include commercial general liability (CGL) insurance. CGL will help cover the most common liability risks faced by your business. You are covered for things such as:

You may want additional liability coverage to ensure that your business is protected against other liability risks such as:

How Does Property Insurance Protect Clinton, MI Businesses?

Your Clinton commercial property insurance will protect your business’s assets from theft, vandalism, fire and burst pipes. This policy is an essential part of every business insurance policy.

However, there are additional policy options to make sure that you are covered, such as:

Is Business Interruption Insurance Necessary in Clinton, MI?

Unfortunately, a natural disaster like a severe storm or flooding could shut down your business for weeks while you wait for repairs to finish. With business interruption insurance, your disaster-related loss of income will be covered.

This optional insurance coverage allows your business to have income to continue to pay monthly bills, employee salaries and other expenses until you are able to resume normal business operations.

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Do Businesses in Clinton, MI Need Workers' Compensation Insurance?

Any private employer in Clinton who has three or more employees at one time, or who employs one or more workers for 35 or more hours per week, is subject to Michigan’s workers’ compensation law. This includes:

Exceptions to the law include farm workers, independent contractors, and partners who are shareholders of small corporations.

If an employee is injured or suffers an occupational illness, workers’ compensation insurance will cover the cost of medical treatment, prescriptions, lost wages, and other related expenses.

Clinton workers' comp rates are based on how many employees you have, your total payroll, the types of jobs performed at your business, and your history of accidents and workers’ compensation claims. If you have a good safety record, you may be rewarded with lower premiums than others in your industry.

What about Employee Benefits for Businesses in Clinton, MI?

As a business owner in Clinton, you may want to provide your workers with an employee benefits package that includes subsidized health insurance and life insurance options that may include:

Offering your employees a benefit package may be expensive, but doing so can have huge financial savings for your company. Studies have shown that when businesses offer a benefits package, it helps them to get and keep qualified employees, and reduces turnover rates while improving employee job performance.

Why Work with an Independent Insurance Agent in Clinton, MI?

There are many variables when it comes to business insurance, so let an independent insurance agent help guide you to make sure that you get the best business insurance coverage. A local independent agent can help you navigate through your options as you build your business insurance policy package. Contact an insurance agent in Clinton to get started.

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Trusted Choice was very helpful. I was needing some business insurance, and they gave me several different options and potential companies to call. It was very easy and they provided a really good service.

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