Business insurance and employee benefits
Meet our insurance division: Lake Michigan Insurance Agency (LMIA)
Tailored coverage
One size doesn’t fit all here. We find coverage built around how your business operates.
Expert guidance
A balanced plan
How working with LMIA works
Share your story
Tell us about your business, location, team, and current coverage needs.
Review your options
We’ll help compare coverage plans so you understand what each option includes.
Build your coverage
Stay protected
Keep your coverage aligned as your business, employees, or operations change.
Learn more about your business insurance coverage options
From liability to employee benefits, we can help you understand the ins & outs of business insurance.
Commercial property insurance can help protect the physical things your business depends on, like your building, equipment, inventory, or other property. LMIA can help you choose coverage based on how and where your business operates.
Workers’ compensation insurance can help protect your business and employees if a team member is injured or becomes ill because of their job. LMIA can help you review options that support your team and meet your business needs.
Commercial auto insurance can help protect vehicles used for business, whether you have one company car or a larger fleet. LMIA can help you think through coverage for business-owned vehicles, employee drivers, or other transportation needs.
Bonds help provide financial protection when contractual obligations need to be backed by a guarantee. They are commonly required for certain projects, contracts, and industries.
Cyber liability insurance can help protect your business from risks tied to data, systems, online activity, or digital fraud. LMIA can help you understand whether this coverage makes sense based on how your business stores information and uses technology.
Employment Practices Liability Insurance (EPLI) helps protect businesses from certain employment-related claims, including allegations of discrimination, harassment, wrongful termination, or other workplace issues. EPLI coverage can help businesses navigate the costs associated with covered claims.
Employee benefits can help you support your team while staying competitive as an employer. LMIA can help businesses explore group plan options, including medical, dental, vision, disability, life, long-term care, and accidental death and dismemberment coverage.
Business-specific coverage
From everyday business risks to employee coverage and construction-related needs, if your business’s size or trade requires unique coverage, we’ll make sure you get it.
Builders Exchange
Home Builders Association
Golf Facilities
Common questions about business insurance
Got questions before you get a quote? We're here to help.
It depends on how your business operates. Your industry, location, property, employees, vehicles, contracts, and day-to-day risks can all influence the type and amount of coverage you may want to consider. Get in touch with us, and we’ll help walk you through those details and help identify your priorities.
Some coverage may be required by law, lease agreements, lenders, contracts, or clients. LMIA can help you review what applies to your business, understand what is being requested, and consider where additional protection may make sense.
The more details you can provide, the better, but the most helpful information to provide usually includes:
- Your Federal Identification Number
- Your business’s location
- The type of work you do
- The number of employees you have
- Payroll info
- Vehicles you operate
- Property & equipment you own
- Your current coverage
- Any contract requirements you may have
If you’re not sure what to gather, we can help you get started.
It’s a good idea to revisit coverage whenever your business experiences a major change or growth. This includes:
- Opening a new location
- Entering a new market
- Hiring new employees
- Adding vehicles
- Changing locations
- Buying equipment
- Taking on new contracts
When change happens, LMIA can help review your coverage before your policy renewal.
Clients, landlords, lenders, or vendors may ask for proof of insurance, often in the form of a certificate of insurance. LMIA can help you understand what’s being requested and work with you to provide the needed documents promptly.
Yes, our above coverage is only the beginning.
LMIA’s experts can also help businesses explore options like:
- Commercial umbrella
- Bonds
- Lessor’s risk
- Employment practices
- Special event coverage
If you’re not sure where something fits, feel free to ask, and LMIA can help point you in the right direction.
