Your business can not operate without you. Fischer Insurance makes sure that you can focus on your business knowing that your insurance program is solid.

Commercial property insurance protects the buildings, property, equipment and tools that you need to run day-to-day operations. If any or all of these are lost in a covered claim, you need an insurance partner that will be there for you in the worst circumstances. You also need an agent that takes an active part in making sure your policy limits are up to date and you know what your policy is protecting. Fischer Insurance has a process of reviewing your policies and explaining coverage in terms you can understand.

General liability insurance is something no business can operate without. It protects your business from claims of bodily injury or property damage made by a third party.

Many businesses enter into contracts which have general liability requirements. Do you know if your policy actually provides the coverage and terms required in those contracts? Has your agent asked to review the insurance section of those contracts? Fischer Insurance includes this as part of our initial proposal process and every year at renewal.

At Fischer Insurance, we understand the importance of keeping your business operating at full capacity. Losing employees due to injuries or illness not only affects your day-to-day operations, but your bottom line.

Our agency offers multiple policy options with the leading insurance carriers in the state. In addition, we can assist with loss prevention services and return-to-work programs. These options and programs will help to keep costs low and your business operating.

Our agency offers coverage for both basic and hard-to-place exposures. Below is a list of industries we can assist:

• Agriculture
• Auto repair
• Consultants
• Contractors (commercial and residential)
• Food service
• Hospitality
• Manufacturing
• Marina or watercraft
• Medical and social service
• Mobile contractors
• Offices

The state of Michigan uses the system called Workers’ compensation to provide wage replacement, medical, and rehabilitation benefits to individuals who are injured while at work while protecting employers by limiting their liabilities.

Employers Insurance Requirements Booklet

For Employers Insurance Requirements please review below:

Employer Frequently Asked Questions

In today’s litigious society, large settlement losses are not out of the question. When the policy limits of your primary liability policy are exhausted, what happens then?

A commercial umbrella policy provides an extra layer of protection over those primary liability policies. This provides financial strength to your insurance program.

As with most organizations, your current insurance program includes coverage for general liability, business property, workers' compensation and commercial umbrella. While these policies cover the primary insurance needs, there are other potential liability exposures that you may need to consider.

Management liability insurance combines valuable liability coverage in one policy at a competitive discounted rate. Below are some points of coverage that can help to assess your potential liability and the need for management liability insurance:

• Directors' and Officers' Liability: Specific to the directors or officers that exercise decision-making authority which could make them personally liable for those decisions. Third parties or individuals who believe those decisions hurt them could take legal action against an organization, which could lead to costly unforeseen expenses for defense costs and judgments. D&O liability helps protect not only the financial well-being of an organization but the assets of the organization and its officers.
• Employment Practices Liability: Protection for those individuals and organizations who supervise, hire and manage employees. This includes claims relating to discrimination, wrongful termination, sexual harassment and other employment-related wrongful acts where an organization could be found negligent.
• Cyber Risk: For those conducting business through digital interactions online that may be open to risks like security breaches, information theft, cyber extortion or data breaches. These events can not only be costly but could drain resources in response to them. This coverage offers liability protection for the transmission and storage of data through your network or website.
• Crime Coverage: Insures an organization for loss to money, securities and other tangible property due to employee theft or embezzlement. Other crime coverage is available including (but limited to) forgery or alteration of checks, robbery, loss to money while in the possession of a messenger and counterfeit money orders or counterfeit money.
• Fiduciary Liability: Fiduciaries face unique exposures due to regulatory requirements, discretionary decision-making authority, plan reporting, disclosure and operation. Due to this, an organization can be held liable for the decisions made. Allegations can cause high legal costs affecting your business’s bottom line. It also picks up coverage where your ERISA Employee Dishonesty bond does not.

Our management liability program includes:

• Limits up to $10 million available for qualifying accounts
• Coverage offered by A.M. Best Co., A+ Superior rated carrier
• Three-year rated policies to lock in premiums
• Premium pay plan and payment options at no additional cost or financing