Business Insurance Agency

At Michigan Insurance Services Agency Inc., we know what your business means to you, and how important it is to protect it. For more than 35 years, our staff has worked with some of the nation’s largest insurance providers to help Otsego County small business owners protect their hard work and investments against an unpredictable future.

Insure Small Business With Confidence

Business ownership comes with a variety of risks. Taking steps to mitigate those risks is important to the overall success of your business, and your personal financial well-being.

As an independent agency familiar with the unique aspects of insuring a business, we are able to help you compare multiple protection products offered by a range of providers, including:

  • General liability: Whether you operate a store front, visit clients at their homes or provide service out of your own dwelling, it is important to carry general liability coverage. A well-written policy will offer protection against expenses relating to accidental property damage, injuries or other losses sustained by your clients and your business.
  • Commercial vehicle coverage: Operating commercial vehicles can be a very effective way to conduct business: in addition to providing necessary transportation, business vehicles are also rolling advertisements for your company. It is important, however, to carry commercial vehicle coverage to protect against the costs relating to accidents and other losses.
  • Workers compensation: Business owners, regardless of entity size, should carry workers compensation insurance coverage. Workers compensation insurance protects you financially should an employee be hurt or get a work-related illness while on the job. It also provides financial support to employees, in the form of lost wages, medical payments and disability, for covered illnesses or injuries.
  • Commercial umbrella policies: Unforeseen accidents occur all the time: whether a client visiting your store slips and falls or a client is injured by one of your products, a commercial umbrella policy provides the protection necessary to enhance the liability coverage for your potential legal expenses.

Your business is unique; your insurance package should be, too. To help you create the ideal insurance solution for your business, our staff carefully evaluates your business plan, potential liabilities and other factors. Only with this knowledge in hand can we begin building quotes that provide the protection your business deserves.

Contact Us to Discuss Your Specific Business Insurance Needs

At Michigan Insurance Services Agency, we know that running a business is a demanding task. With that in mind, we work to make the process of buying business insurance as effortless and efficient as possible. Request a quote online or call 989.448.3334 to discuss your specific business insurance needs with one of our independent agents.

 Questions?
Call 989.448.3334 Today.


“Great rates. Great service.”— Michael P., customer since 2003
“Very friendly and helpful with every question I have asked them.”— Customer since 2014
“You did everything correctly! I am a very satisfied and happy customer!”— Gene, customer since 2017
“We love how you take care of changes with our insurance coverage, etc. when we go south or come back north. After approximately 10 years we are happy with your services you provide.”—Daniel C., customer since 2007
“You have always been there and will compare rates for us. You also are very prompt when it comes to adding new vehicles to our account. Also making sure we have the correct coverage we need for our home, cars, camper and boat.”— Michael L.
“When our tree fell on our house one year. You guys came out that same morning and called the tree trimmers to take care of it right away. Great company. ”
“Service! Whether it's a claim or the bill or we just need a question answered about our policy you're always there to help.”— Scott B.
“We enjoy that you treat us like a valued customer and always try to find the best option and price for our insurance needs! Love the personal service also!”— Mike, customer since 2016
“Very smooth process when making a claim.”— Adam R., customer since 2015