Michigan Small Business Insurance

Insurance customized for your small business in the Great Lake State

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Rated 5 stars

In Michigan, there's over 900,000 small businesses, making up a large part of the state's economy and culture. Having the insurance to protect and support your small business is just as important. No matter your role in your business - owner/operator, subcontractor, or an employer - you need insurance to help with the growth of your business. Foxquilt makes that simple, fast, and digital.

What makes Foxquilt different?

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Tailored To Your Business

We offer exclusive policies customized to fit your business needs and goals as a business owner.

Create Your Policy In Just A Few Taps

When technology and human expertise combine, you get flexible and helpful insurance options - whenever, wherever!

Only Pay For What You Need

Our quotes let you save up to 35% on your premiums and trim down your policy to only the coverage details that will benefit your business.

Rated 5 stars by business owners

See why other business owners, just like you, love Foxquilt's smarter coverage, 5-star service and insurance built for them.

Purchasing my small business insurance policy through Foxquilt was a BREEZE! My documents were sent to my email within minutes of my purchase. Thank you for making insurance easy for me!read more


Super impressed. Very user friendly site/application. Had my insurance policy within an hour! Super happy with the price, policy, coverage and overall serviceread more


Best customer service ever! Fair prices. Easy to understand and easy to access and navigate. Hands down, LOVE Foxquilt!read more


Insurance for Michigan Small Business Owners

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What Insurance Coverages Should Michigan Small Businesses Have?

For most small businesses in Michigan, Commercial General Liability (or CGL) is a good starting place for insurance. Commercial General Liability is the foundation of small business insurance since it covers some of the most common business risks - property damage and third-party injury. It's not required by Michigan law to have CGL insurance as business owner but you'll come to find, as your business grows, that you'll be required by others to show proof of insurance. Typically, landlords, trade shows, marketplaces, partners, and so on will require to see proof of coverage.

As a small business owner, depending on your business, you may also want to consider having Commercial Property, Professional Liability (E&O), Cyber Insurance, Commercial Auto Insurance, and Mobile Equipment.

Like most of the US, Michigan requires most of its small business owners to have Workers' Compensation (or Workers' Comp.) This coverage supports your business with medical costs, lost wages, etc if someone on your team gets injured or ill due to their work. To check Michigan's Workers' Compensation requirements, check out our state guidelines checker.

Commercial General Liability

Commercial Property Insurance

Workers’ Compensation

How Foxquilt Insurance is Built for Michigan Small Business Owners

Foxquilt gives autonomy back to small business owners by allowing them to quote and purchase their insurance, online and whenever they want. Because of Foxquilt's online platform, all it takes are a few questions and you'll receive a customized policy that you can buy online. You'll even get your policy docs instantly over email.

Plus, Foxquilt knows how important cash flow is; that's why we offer flexible payment plans and accept credit card at no extra cost.

If you ever need an extra hand or just have a question during the online application, you can click the "Need Help" button to talk to a Foxquilt insurance expert.

Commercial General Liability Insurance Claim Examples

Client Injury

Property Damage

Workplace Injury

Client slips and breaks their hip

After cleaning a client's office, one of the floors was still wet without a warning sign, causing your client to slip and injure themselves.

Frequently Asked Questions

How Long Does It Take to Get Business Insurance in Michigan?

Do you Need Business Experience to Get Insured in Michigan?

Where Can You Get Business Insurance in Michigan?

How Do You Become an Michigan Foxquilt Partner?

Get started today!

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