Property & BOP
Building, contents, and business income — packaged where it saves, separated where it protects.
Built for the business you actually run.
Describe your operation in plain English — "residential remodeler," "pizzeria," "40-cow dairy" — and we translate it into the coverage Michigan carriers want to write. Two of our people worked inside those carriers as underwriters; your submission reads the way approvals get written.
Who we insure
From the farm to Main Street
Every trade gets the same treatment: the right coverage form, competitive carriers, and renewals timed for leverage.
Contractors & trades
GL that certificate-holders accept, tools and equipment floaters, work comp, and commercial auto for the crew trucks.
Restaurants & retail
BOP packages with the liquor, spoilage, and business-income pieces that actually get used.
Farms
Dairy, crop, and hobby farms around Coopersville and beyond — farmowners packages with equipment and livestock schedules.
Landlords & rentals
Dwelling fire policies for single units to small portfolios, with liability that survives a tenant lawsuit.
Offices & professionals
Lean BOPs plus the E&O and cyber endorsements modern client contracts demand.
Nonprofits & community
Coverage for the halls, leagues, and organizations that keep small-town Michigan running.
The core coverages
Four building blocks, assembled to fit
Liability
General liability certificate-holders accept, plus liquor, professional, and cyber where your contracts demand them.
Workers' comp
Required in Michigan with few exceptions — priced by class code accuracy, which is exactly where we're picky.
Commercial auto
Crew trucks, delivery vehicles, and everything Michigan no-fault makes complicated for businesses.