Business Insurance Michigan

Running a business in Michigan comes with unique risks and responsibilities. Choosing the right commercial insurance can feel complicated, but the right guidance makes a difference. At Mason-McBride, we help companies explore coverage options designed to address property, liability, and operational exposures.

Whether you're in manufacturing, retail, professional services, or technology, our team offers access to a variety of business insurance solutions to help support and protect your operations.

As an independent insurance agency based in Troy, we work with a broad network of respected carriers across Michigan, providing flexibility and clarity for local businesses.

Commercial Insurance Plans for Michigan Businesses

Every organization has different needs. From general liability insurance and commercial property coverage to industry-specific protections, our team can review your situation and outline options to consider.

Factors such as business size, regulatory requirements, and past claim activity can influence what coverage makes sense. We take a consultative approach, helping you evaluate available choices without a one-size-fits-all model.

Comparing Policy Types: CPP vs. BOP

  • Commercial Package Policy (CPP): A customizable plan where property, liability, and other coverages can be selected individually to fit your business structure.
  • Business Owners Policy (BOP): A pre-packaged plan that combines common coverages into a single option, often suited for small to mid-sized businesses.

We can help you compare these approaches so you understand which aligns with your organization’s needs.

Business Insurance Costs in Michigan

Premiums for commercial insurance in Michigan can vary based on:

  • The type and amount of coverage selected
  • Your company’s claims history
  • Years in operation
  • Industry-specific exposures
  • Deductible and policy limits chosen

We offer consultations to review your situation and provide access to multiple carrier options, so you can make an informed decision.

Industries We Serve

Our clients include professionals and businesses across a wide range of sectors:

When Should You Review Your Business Insurance?

Insurance needs change as businesses evolve. It may be appropriate to review your policies annually, as well as when major shifts occur, such as:

  • Changes in staff size
  • Adding or removing locations
  • Purchasing new equipment or vehicles
  • Expanding services
  • Significant revenue changes

Regular reviews help ensure your policies remain aligned with your operations.

Why Work with Mason-McBride?

As a Michigan-based independent insurance agency, Mason-McBride offers:

  • Access to multiple highly rated carriers
  • Local knowledge combined with industry insight
  • A consultative approach focused on long-term relationships
  • Ongoing support for claims, policy changes, and renewals

Our role is to provide clear information and responsive service so you can make well-informed insurance decisions.

Request a Business Insurance Quote

If you’re exploring business insurance in Michigan, our team is here to help guide you through the process. Contact our Troy office or complete the form below to request a consultation.

Proposal Request Form

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Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Mason McBride is here and ready to make the process as painless as possible. We look forward to meeting you!