 | For Your Business | | | Business owners face daily challenges as you work long hours building your business. Whether you're a manufacturere, provide a service, or have a retail store, your business is important and an unexpected loss is the last thing you need. However, if a loss occurs you need a company that is providing the coverage you need and is there to guide you through the process. - Automobile Fleets
Automobiles are invaluable tools to many of the businesses that we protect. Whether you have one business vehicle or you have a fleet of business vehicles, the Baty Agency has a Business Auto Policy to meet your needs. - Business Owner Policies
We have Business Owners Policies designed to meet the needs of today's small business owners. - Liability
There are different types of liability insurance, including general liability, which works in much the same way as auto liability insurance, but covers businesses. General liability protects a company from third party claims. Aside from general liability, there is also D & O liability, employer liability, and professional liability insurance.- D & O liability stands for "directors and officers" liability and is intended to cover the acts or omissions of those in the director or officer position.
- Employer liability is also known as worker's comp, and it is a mandatory form of liability insurance coverage that all businesses must carry.
- Professional liability is insurance to protect those seen as professionals or "experts" in a given field, who may not be protected by general liability due to their expertise.
- Equipment
We have assembled insurance professionals to address the unique needs of a broad range of businesses and business needs: from wholesalers to retailers; food distributors to restaurateurs; manufacturers to professionals; schools, churches, health care facilities, the salon industry...and so forth. - Inland Marine
These insurance policies are endorsed to extend the coverages to make certain you are protected while traveling and entertaining clients. - Property
While it's your job to know how to successfully operate your business, ours is to know the insurable risks you face. We've been insuring businesses against a broad cross section of risks for years. Furthermore, our Commercial Lines products continues to research the risks you face, and put this accumulated knowledge to work for you. The programs are constantly reviewed and enhanced to make certain you are protected when you need it. - Workers Compensation
We can explain Michigan's workers compensation insurance requirements, and explore your needs to determine the plan most suitable to your needs - Unbrella Liability
Lliability law suites have become much more common in recent years, and courts are awarding larger verdicts. An umbrella policy not only increases the limits applicable with your basic liability coverage, it also covers you in situations that may not be covered under your basic policy.
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| Life Insurance | | | One of life's rewards for working hard and saving for a rainy day is achieving financial security. One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind. There is a solution.... life insurance. Life insurance can create an immediate cash fund for loved ones. So, even if death is premature, financial security for your family is possible. - Term
provides coverage for a specified period of time such as 10, 20 or 30 years. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value. - Universal Life
Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits. Universal Life programs can be custom designed to fit individual protection needs, financial security needs and supplement retirement needs. - Whole Life
Provides level death benefit protection with level premiums and guaranteed cash values. Auto-Owners Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income. - Disability Income
People work hard to afford what they enjoy in life and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance premiums and entertainment. Their ability to earn an income is their most valuable asset. If that ability is interrupted because of an accident or sickness, they may find it difficult to maintain their standard of living and impossible to plan for the future, such as Medicare and Medicaid provide limited protection. - Long Term Care
Long Term Care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility, or a nursing home
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| For You | | | Our insurance programs and product have kept up with the times. The Baty Agency works with many carriers to provide the most up to date coverage, to protect your personal needs.
- Auto
At The Baty Agency, we focus on providing you a carrier that can provide you the products and services you would expect from an Independent Agent. We continue to factor loss preventative measures and lower risk factors into our insurance premiums. We can can provide complete details about our generous credits/discounts that are availble to you. - Home
No one wants to contemplate the possibility of losing everything – or anything – to unforeseen circumstances. Our outstanding Homeowners Insurance features provide the assurance you need. Our Homeowners Policies are equipped with some of the highest standard coverages in the insurance industry, and may be enhanced to include unique features that serve your life-style. - Boats
Spend your valuable summer hours enjoying your yacht, boat or PWC not worrying about financial loss if damage occurs. Know that your boat investment is protected wherever you use it and even when it is laid up during the winter. At The Baty Agency, we offer you the best available boat insurance coverage at a cost you can afford. We understand the Michigan boating lifestyle and represent insurance programs that are easily customized to fit your individual needs. - Rental Properties
Most of us think of fire as the greatest threat to our home or business, but fire is not a landlord's only risk. Of equal concern is liability for an accident on your rental premises that results in injury and is determined to have resulted from your negligence as landlord. In researching Rental Dwelling Policies, we have taken into account these and other risks faced every day by landlords. Additionally, a series of optional coverages are offered to further fine tune your Rental Dwelling Policy. - Umbrella Liability
Personal Umbrella insurance, sometimes called peace-of-mind coverage, is extra protection against large liability claims. While your underlying auto, home and marine policies provide liability protection, the coverage may not be enough should you face a catastrophic liability claim. - Yachts
Eligible yachts are 26 feet or more in length and we are willing to look at many vessels that other carriers ignore.
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| For Your Future | | | How do you define retirement? Is it a distant dream or have you started planning for retirement already?
Most financial experts suggest that the right time to start retirement planning is in your late 20’s allowing you to fully harness the power of compounding. Regardless of your age however, retirement planning is essential and can save you a lot of trouble later.
So, if you didn’t start your retirement planning in your 20’s then The Baty Agency can to help you get started now. - Fixed Annuities
Nonqualified deferred annuities are one of the best ways individuals have to set aside money on a tax-deferred basis. A nonqualified deferred annuity is one which is not used as part of any qualified retirement plan, Traditional IRA or Roth IRA. Contributions made into a nonqualified deferred annuity are not income tax deductible. However, the amount contributed is not limited to a certain dollar maximum each year, and the earnings of the deferred annuity accumulate on a tax deferred basis. A unique feature of an annuity, not found in any other investment vehicle, is that it can provide a stream of income that cannot be outlived. If the annuity benefits are to be paid over a lifetime, the monthly or annual benefit amount is guaranteed to come each and every month or year regardless of how long the individual lives. Several other payment options are also available. In the event of death, all proceeds can pass directly to a named beneficiary, without surrender charge, probate delay, estate settlement costs, or publicity. - IRA
A Traditional IRA is a personal retirement savings plan. Contributions may be tax deductible and interest earnings are tax-deferred. Anyone under the age of 70-1/2 with earned income can contribute up to the lesser of 100% of earned income or $5,000 per year. Taxpayers age 50 and over can make an additional annual "catch-up" contribution. - Roth IRA
The Roth IRA is a personal retirement savings plan. Contributions are not tax deductible, however, distributions of earnings are tax free under certain circumstances. If you have earned income, you may be able to establish a Roth IRA. You can contribute up to 100% of earned income or $5,000, whichever is less, per year. - Simple IRA
A SIMPLE IRA is a type of employer provided retirement plan in the United States. Specifically, it is a type of Individual Retirement Account that is set up to be an employer provided plan. It is a qualified plan like more well known plans such as the 401(k) (profit sharing plans) and 403(b) (Tax Sheltered Annuity plans), but offers simpler and less costly administration rules. Like a 401(k) plan, the SIMPLE IRA is funded by a pre-tax salary reduction
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