Business Insurance

Business Insurance Solutions

We know the challenges that every employer faces. For over 100 years, the General Agency Company has helped businesses navigate through the unexpected. When it comes to protecting your business, our team of specialists will work with you to assess the common and unique risks your business may face and develop coverages that suit your current and future needs.

Commercial Insurance


Protect Your Business

Organizations of every size and industry trust the General Agency Company to provide solutions to the unique risks of their business. Our dedicated team has the experience, underwriting knowledge, and access to long-lasting relationships to protect you from financial losses.


Why Do You Need Business Insurance?

Businesses need business insurance for many reasons. One reason is that most states require certain coverages in order for a business to operate safely. This usually includes Workers’ Compensation, Automobile Insurance and Disability Insurance. Business Insurance can also help cover the costs of legal claims made against a business.

Without Business Liability Insurance, a business that has to pay the costs of a claim or lawsuit out-of-pocket may not have the financial means to survive. Business Insurance can also protect businesses from the financial risks of property loss. The costs of repairing or replacing physical property after fire, theft, vandalism and more could be devastating without a commercial property insurance policy helping cover the costs.

Without business insurance, companies that face costs as a result of common business exposures like: Property Damage, Legal Claims, and Work Related Employee Illness and Injury may not be able to afford to stay in or maintain business.


"General Agency and their team have become an extension of our human resources effort to ensure my benefitted staff’s questions are answered and their insurance matters are handled completely. It would be difficult to find a group of folks more dedicated to their profession. I highly recommend them for all business and personal insurance services."

Tim Underwood

General Manager, Ellsworth Farmers Exchange


Commercial Insurance Offerings

We invite you to learn more about each of the coverages that General Agency Company can provide for your business. Regardless of your size, staff, industry, or age, our experienced team can help identify and protect your business from the unexpected.


Commercial property insurance is a type of commercial coverage that can protect your business in the event of a covered loss. Many business owners purchase commercial building coverage as part of their BOP policy.

Depending on the terms of your policy, commercial property insurance may cover natural disaster, theft, accidents and more. Whether you own a freestanding commercial building, lease an office or even work from home, business property insurance can protect your building and your business' physical assets.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Business Income Insurance works in conjunction with your property policy and provides coverage for events beyond your control such as fire, wind, hail, vandalism or damage from vehicles or aircraft that may interrupt your business. Flood, earthquake or glass breakage are typically not covered in a business income policy.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Covers losses that exceed the limits of its underlying insurance policy. Umbrella insurance provides excess limits when the limits of underlying policies are exhausted by the payment of claims, covers exclusions and gaps in underlying policies and provides protection against some claims not covered by underlying policies.

Let us find the right policy to protect your future. Contact our team to discuss your options.

A statutory benefit prescribed in state law requiring most employers to compensate employees or their families for lost wages and medical care due to job-related injuries resulting from accidents or occupational disease. In exchange, employees relinquish their right to sue their employer for negligence. Workers’ Compensation Insurance helps cover the cost of injured employees’ medical and income benefits.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Covers liability for bodily injury and physical damage caused by vehicles used for business purposes. Factors such as ownership by a business, use in hauling goods for hire and gross weight determine a vehicle’s eligibility under a commercial auto policy. Except for auto-related businesses, motor carrier and trucking firms, a commercial auto policy addresses the auto insurance needs of most commercial entities. Some small vehicles used for business purposes can be insured on a personal auto policy.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Protects corporate directors and officers against claims, often made by stockholders, customers and employees, alleging financial loss arising from mismanagement. The policy provides two protections: the first reimburses the insured organization when it is legally obligated to indemnify directors and officers for their acts; the second provides direct coverage to directors and officers when the organization is not legally obligated to indemnify them. Coverage can extend to defense costs for criminal, regulatory and civil trials. D&O policies typically exclude intentional/dishonest acts, bodily injury and property damage, but do include “wrongful acts” such as unintended omissions and misstatements. The underlying principal is that directors and officers must be allowed to take reasonable strategic risks in the course of business without the threat of personal liability.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Commercial Umbrella Insurance provides businesses with additional liability coverage to help protect them against the potentially ruinous costs of claims. Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, Commercial Umbrella Insurance extends liability coverage for an additional layer of insurance to further protect business assets. Without Commercial Umbrella Insurance, business owners could be obligated to pay out of pocket for legal fees, medical bills, and damage expenses that exceed the limits of their underlying primary business coverages.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Crime insurance is often an overlooked necessity, leaving businesses vulnerable to financial losses. Crime-related losses are not typically covered by commercial property insurance, so it’s important to make sure your business is protected. Commercial Crime Insurance helps protect against losses from Theft, Dishonest Acts, Theft of money and securities, and Premises Theft.

Let us find the right policy to protect your future. Contact our team to discuss your options.

Your Trusted Source

When it comes to protecting your Business with Commercial Insurance, General Agency Company is your trusted source. The General Agency Company has provided unique commercial coverages to thousands of businesses of every size and industry. We think you should have options just as unique as your business. Our team of specialists will work with you to assess the common and unique risks your business may face and help develop the right coverages that suit your every need.



Risk Management


Protect Your Business

Our goal is to research and mitigate risk, reduce claims, and proactively prevent damaging lawsuits to our clients. Our team prioritze key areas when providing comprehensive Risk Management Tools to avoid, reduce, and insure your risk exposure.


Effective and Efficient Tools

The Risk Management Center helps any organization that wants to proactively manage their risk exposures and develop effective workplace safety programs to reduce claims, losses, and associated costs. The goal of our Risk Management Center is to reduce risks and injuries, while improving profitability for your business. The Risk Management Center enables employers to:


Meet OSHA hazard communication requirements

Access a best-practices safety library

Train employees efficiently and effectively

Build a behavior-based safety program

Manage certificates of insurance to limit liability

Create job descriptions and modified duty programs

And much more


"I truly feel that General Agency Company goes above and beyond to show people that this is not just a JOB, but that they truly do care about their customers they serve. Each and everyone of them that I have dealt with showed their experiencedise in their field. So please on behalf of myself personally, thank each and everyone of them for a job well done and the great customer service. "

Julie Horling

Kerkstra Septic Tank Cleaning LLC


Risk Management Center

The Risk Management Center is a secure, comprehensive risk management and safety solution platform. This platform is designed to improve risk management, loss control & prevention, and become efficient with OSHA compliance efforts. The Risk Management Center is easy to set-up, accessible anywhere and anytime, and provides a cost-effective risk management and safety center for your entire organization across all departments and locations.


Your Trusted Source

When it comes to protecting your Business with Risk Management, General Agency Company is your trusted source. We think you should have options just as unique as you. Our team of specialists will work with you to assess the common and unique risks your business may face and help develop the right coverages that suit your every need.



Protect Your Business

We provide a full spectrum of commercial insurance solutions to cover your business, your employees, and everything important to you. Our supportive team brings the experienced knowledge to craft a customized program that will suit your needs perfectly. You don't just have one agent with the General Agency Company, you have our entire team constantly working to protect your future.


General Agency Insurance Logo

The General Agency Company provides experienced insurance solutions to protect your business and your family from the unexpected. Protect your future with us.


Connect

General Agency Company
525 E. Broadway Street
Mt Pleasant, MI 48858
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Tel: 1.800.589.6982

Email: info@ga-ins.com



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