Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.
You accidentally damage a client or customer’s property.
You’re sued for improper image use in your advertising.
You need an attorney to defend your business in a lawsuit after a claim.
Michigan general liability insurance, also called commercial general liability (CGL), can help cover costs related to common risks faced by many businesses, such as:
General liability insurance can help protect businesses financially in several different situations. For example:
Michigan general liability insurance can also help cover situations where you need to defend yourself against an accusation of copyright infringement, slander or libel.
Michigan businesses are not required to carry general liability insurance.
Although the state does not impose mandates for business liability insurance, Michigan cities and counties may have their own requirements. Check with your city clerk’s office to confirm what insurance you need to operate legally in your area.
Even without being legally required to carry commercial general liability insurance, Michigan entrepreneurs can still benefit from this coverage. Many small businesses voluntarily buy coverage to:
With general liability insurance coverage, Michigan businesses may be better protected financially when a covered incident occurs. Additionally, some lenders and banks require proof of this type of Michigan business insurance.
Potential clients may require proof of coverage before agreeing to work with you.
An insurance requirement is sometimes written into contacts. You could risk losing out on business if you don’t carry Michigan liability insurance.
Some commercial property leases require proof of general liability insurance. Michigan property managers may refuse to rent out space to you if you don’t have this coverage.
To secure a business permit or professional license, you may need to have general liability insurance.
For example, vendors in the city of Battle Creek, Michigan must carry general liability insurance in order to obtain a business license.1
General liability insurance covers common risks in almost every industry.
Even if you run a business with a lower level of risk, general liability insurance can still provide important protections.
It’s not uncommon for accidental injuries or property damage to happen in an office environment or small retail space. If a server at your Ann Arbor restaurant spills soup on a customer’s designer jacket, for example, Michigan general liability insurance could help cover the cost to repair or replace it.
Michigan business owners can get an affordable, customized policy from NEXT. Our general liability premiums are priced at $45 or less per month for 50% of our U.S. customers.**
Learn more about general liability insurance costs.
NEXT provides Michigan general liability insurance policies designed for small businesses and self-employed workers.
It only takes about 10 minutes to get a quote, review your coverage options, choose your policies and download a certificate of insurance.
Start an instant quote online today.
Our team of licensed insurance advisors is standing by to assist you if you have any questions along the way.
If you or an employee gets in an accident, commercial auto insurance can help cover costs like medical bills, rental reimbursement and property damage.
All Michigan vehicles must have auto insurance with minimum coverage of $50,000 per person, $100,000 per accident and $10,000 for property damage.3
Commercial property insurance can help protect a business’s physical assets, including brick-and-mortar structures, inventory, equipment and furniture. If a covered event occurs, like a fire or a burst water pipe, this insurance could help cover the costs to repair or replace important assets.
A business owner’s policy (BOP) combines this type of insurance with general liability, which typically results in savings on monthly premiums.
Professional liability insurance, also known as errors and omissions, can help protect your business financially if a customer or client claims you made a work mistake that cost them money. It’s commonly bundled with small business general liability insurance for more comprehensive protection.
Learn more about insurance options in the states where you work.
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Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.