As a business owners, you face daily challenges working long hours building your company. Whether you're a manufacturer, service provider, or retailor, your business is important and an unexpected loss is the last thing you need. However, if a loss does occur, you need a company that provides the coverage you need and is there to guide you through the process.
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 Owner Policies designed to meet the needs of today's small business owners.
There are different types of liability insurance, including general liability, which work in much the same way as auto liability insurance, but for businesses. General liability protects a company from third party claims. In addition to general liability, there is 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, also known as workers’ comp, 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 otherwise be protected by general liability due to their expertise.
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.
We have assembled a team of insurance professionals to address the unique needs of a broad range of businesses including wholesalers, retailers, food distributors, restaurateurs, manufacturers, professionals, schools, churches, health care facilities, the salon industry, and many more.
To provide insurance on miscellaneous equipment and articles primarily of a portable nature and normally in transit or used away from the Insured's premises. Examples of eligible items are: voting machines, scientific instruments, exhibits, demonstration equipment, and various machinery items.
We can explain Michigan's workers’ compensation insurance requirements and explore your needs to determine the plan that best fits your situation.
Liability lawsuits 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.