Insurance as a Seasonal Business Owner

As a seasonal business owner, it might seem practical to carry insurance only during your operating months. However, maintaining a year-round coverage with a Businessowners Policy offers more comprehensive protection and long-term peace of mind. Our agency is here to provide insurance coverage that meets your needs.  

A Businessowners policy (BOP) packages general liability, property, and business income coverages so you can safeguard your small business from common insurance risks.

Here are a few helpful tips and insights:  

• If hiring employees, even just for the season, the businessowner is required by the state of Michigan to obtain Workers Compensation coverage.  
  • Workers Compensation can cover both employer and employee liability. It can include replacement wages, medical expenses, and death benefits.
• Many Contractors can be insured under a Businessowners Policy.  
• If vehicles are owned by or in the use of the business, they should be covered under a Business Auto Policy.  
  • Our Business Auto Policy ensures your company's vehicles, and the employees who drive them, have the right amount of coverage on the road. A standard typical business auto insurance policy will cover liability, physical damage, medical payments, uninsured & underinsured motorist, and hired & non-owned auto coverage.  
    • Cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks are covered under the Business Auto Insurance policy.  
• Business Income and Extra Expense will pay for loss of income and the additional expenses you may incur after a property loss.

For additional questions, contact our agency today.