Michigan Business Insurance

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Small business insurance in Michigan

Small business owners in Michigan should consider business insurance to protect against risks associated with their property, employees, and daily operations. With reliable insurance coverage in place, you can worry less about potential risks and more about achieving your future goals.

In 2023, the private sector experienced 78,900 non-fatal workplace injuries and illnesses, according to data from the Bureau of Labor Statistics. Business insurance can help minimize disruptions related to accidents like these.

At Progressive Commercial, we understand Michigan business insurance requirements and can help you get a customized quote for coverage that safeguards your livelihood. Shop for general liability, professional liability, a business owners policy (BOP), and more. Whether you own a restaurant in Grand Rapids or a tech startup in Ann Arbor, you can count on us to connect you with the right business policy.

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Types of MI business insurance

General liability

This is the most common business insurance coverage, and nearly all businesses in Michigan should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial auto

Commercial auto insurance can protect your vehicles and trailers with liability and physical damage coverage. Most personal auto policies don't cover vehicles used for business, such as transporting people or supplies, so you'll need commercial coverage to stay protected.

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Workers' compensation

Michigan law requires most businesses with employees to carry workers' comp. It helps pay for expenses related to employees becoming injured or ill because of their job. Find out more about Michigan workers' compensation requirements.

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Business owners policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It's a great option for small and medium-sized businesses that rent or own property and need coverage for buildings, furniture, tools, equipment, and more.

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Professional liability

Michigan businesses that offer professional services should consider this coverage. It protects against claims of professional negligence, both actual or alleged, and helps pay for defense costs. It's also known as errors and omissions (E&O) insurance.

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Cyber

This insurance protects against incidents like data breaches and cyber attacks. It includes first and third-party protection for things like investigative services, data recovery, and legal costs. Businesses that store or manage customer data typically need this coverage.

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How much does Michigan business insurance cost?

In 2025, the national median cost of business insurance for new Progressive Commercial customers ranged from $50 per month for professional liability to $80 per month for a business owners policy.

The cost of a Michigan business insurance policy often depends on your profession. Businesses are typically rated on the risks that are unique to their industry. For example, a roofing contractor can usually expect to pay more for coverage than a landscaper because their job is physical and requires working high off the ground.

Other factors that affect your cost include your coverage needs, business size, and location. For example, a company located in a busy city like Detroit can expect a different rate than one located in Grand Rapids, and a business that has employees might pay more than one that doesn't.

Michigan business insurance requirements

Michigan state law doesn't require business insurance except for workers' compensation. Private employers are required to have coverage if they have one or more employees who work more than 35 hours per week. This rule also applies if they regularly employ three or more employees at one time.

Other criteria exist for agricultural, domestic, and public employers. Learn more about workers' compensation in Michigan to find out if it's mandatory for your business.

While Michigan doesn't require other business coverages, such as general liability and professional liability, many employers and prospective clients do. Their contracts often specify the types and amounts of coverage you need before you can begin working with them.

Resources for Michigan small business owners:

Workers' Comp Requirements (Michigan Department of Labor and Economic Opportunity)
Small Business Resources (Michigan Small Business Development Center)
2025 Michigan Small Business Profile (U.S. Small Business Administration)
2023 Michigan Workplace Injury Data (U.S. Bureau of Labor Statistics)

Michigan professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive Commercial

Options

We can help you secure coverage at any stage of your business's development with the flexibility to adjust your policy as your business changes. Whether you start a quote online or chat with an insurance expert, we'll work with you to make sure you're getting protection that meets your needs and budget.

Experts

As the #1 commercial auto insurer in America,^* you can trust us with all your Michigan business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you're getting the best coverage for your business.

Convenience

There are several ways to get a quote, whether you need a single Michigan small business insurance policy or a combination of coverages. Simply start a quote online or call us to speak with an agent.