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.