• Commercial Property
• Commercial General Liability
• Professional Liability
• Commercial Auto
• Workers Compensation
• Commercial Umbrella
• Surety Bonds
• Special Events
• Employee Benefits
• Financial Services

Commercial Property
Your office may be one of the biggest business investments you've made. That's why it's so important to protect it against theft, fire, lightning, and flood. Property insurance not only covers your building; it can protect your inventory, including furniture, equipment and supplies, and more. Optional coverage can insure you against earthquakes, floods and other losses. Talk with your Lake Michigan Insurance Agency representative about your business's property insurance needs today.

Commercial General Liability
You've worked hard to build your business and it makes sense to protect it with liability insurance, which not only pays the cost of damages, but also the legal fees and other costs associated with a lawsuit. Different policies protect against various types of liability. Your Lake Michigan Insurance Agency professional can recommend the types and amount of liability coverage your business will need.

Professional Liability

Professional Liability or Errors and Omissions insurance protects you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability insurance provides coverage for specialists in many various professional fields such as banking, accounting, law, insurance and real estate. Professional liability coverage is separate from a general Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.

Commercial Auto
If you are a business owner with one or more company vehicles (or any vehicle that is used for business purposes), a commercial auto policy is a must. Don't take the risk of having company vehicles in operation without the appropriate protection.

Workers Compensation
Carrying Workers Compensation insurance is good business. Workers Compensation insurance protects employees by providing benefits for job-related injuries or illnesses. It helps protect you and your company by minimizing lawsuits from employees related to these injuries or illnesses.

Commercial Umbrella
Commercial Umbrella insurance provides a broader level of liability coverage beyond the scope of what your company's primary commercial property and liability insurance policies can provide.

The professionals at Lake Michigan Insurance Agency will work closely with you to determine the potential risks your company may face, identify potential gaps with respect to your primary commercial property and liability insurance policies. We'll recommend the necessary coverage and provide your business the peace of mind that goes along with being protected by a commercial umbrella policy.

Surety Bonds
Lake Michigan Insurance Agency understands the importance of your bond needs, whether you are a small emerging company in need of an occasional bond or a large commercial contractor performing multiple projects. Our specialists possess the flexibility to secure your bond when you need it, at the most competitive price and in a timely manner.

Special Events
Lake Michigan Insurance Agency is a leading provider of entertainment and special event liability insurance. We offer comprehensive insurance programs for our entertainment and special event clients that are customized to your needs and your specific field. Our programs provide protection for thousands of entertainers and venues such as concerts, festivals, sporting events, commercial producers, television productions, live entertainment, music, broadcasting, theater, publishing and advertising, and so much more.

Lake Michigan Insurance Agency’s comprehensive insurance protection gives you the ability to combine broad property, liability, commercial auto, and umbrella coverage. Get the peace of mind so you can enjoy your event, and leave the insurance to us!

Employee Benefits
It isn't easy to find and keep great employees. Offering a comprehensive employee benefits package is one of the best ways to keep high quality employees loyal to your company. We can make it easier for you to provide the benefits your employees want and need. Lake Michigan Insurance Agency professionals have the knowledge and experience to assess your company's employee benefits needs and design a benefit plan that works for everyone.

We will provide straightforward advice and effective solutions to your insurance needs including:

• Medical
• Dental
• Vision
• Short and Long Term Disability
• Life/ AD&D
• Long Term Care

Financial Services
Your business has unique and complex needs and that's why we work with you to customize a solution that best meets those needs. In addition, to providing you with a full range of insurance products, our team of specialists will work closely with you to help you meet the financial goals of your business as well. Take advantage of everything Lake Michigan Insurance Agency has to offer you with services such as:

Business Continuation Planning

• Business Loan Protection
• Business Overhead Insurance
• Disability Buy-Out
• Buy-Sell Arrangements
• Key Employee Insurance

Executive Benefit Planning

• Deferred Compensation
• Group Carve-Out
• Individual Disability
• Split Dollar Life Insurance
• Selective Executive Retirement Plans

Tax-Qualified Retirement Plans

• 401(k)
• Profit Sharing
• Money Purchase
• Target Benefit
• Defined Benefit
• Simplified Employee Pension (SEPs)
• Simple IRA

Employee Benefit Products

• Group Health Insurance (HRA, HSA, HMOs, Underwritten Carriers, Guaranteed Issue Carriers)
• Managed Care Benefits including HMOs
• Dental and Vision Care Benefits
• Flexible Benefits Accounts
• Accidental Death & Dismemberment Insurance
• Short-term and Long-term Disability Insurance