Business Insurance in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the Surrounding Areas

Woman on Phone and Computer with Business Insurance in Pinckney

While it is easy to just look at your business insurance as an expense line in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the surrounding areas, this is short-sighted thinking about a very important protection. At Follmer Insurance Services we work with clients every day to help protect them from the unforeseen event or lawsuit that can wipe out their business in a hurry. When you look at the minor expense of your insurance shield compared to what could happen without business insurance, you will see that this is a small price to pay for a large amount of protection that can save your business from going under. Talk with our independent insurance agents to learn more about getting the right business insurance in place for your business.

The Need to Have Business Insurance

While you may consider business insurance as an optional expense, in many cases it actually is a requirement, and often people will not work with a business that doesn’t have adequate levels of insurance even if it isn’t required. In most places if you have a commercial vehicle, you are required to have commercial auto insurance, as an example. But even more than that, many times when bidding on a project a business will need to show proof of having business insurance in order to even qualify to bid on these projects.

Even if you work with residential clients, many of them will want to see proof that you have insurance. This is because if you are working on their home, such as a plumber or an electrician, they will want to know that if something happens where they damage part of your home, they will have insurance coverage so that the home will be repaired and the homeowner won’t be left with the bill.

Kinds of Business Insurance Policies

While every business is unique in their combination of employees, skills, tools, and more, there are some business insurance policies that will work for a variety of businesses no matter the industry they are in. General liability insurance is one such policy that will help address claims related to bodily injury, property damage, and more. Property insurance is also an important policy to help protect inventory, buildings, equipment, and more. If you have employees then you will likely also need to have workers compensation insurance to cover for medical expenses, lost wages, and more.

While business insurance is an expense that a business needs to plan and budget for, the alternative of not having insurance will virtually guarantee that the business has a limited life in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the surrounding areas. Make the call to Follmer Insurance Services to speak with our team about getting the right business insurance policies in place to protect your business and allow it to keep functioning.

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