Business Insurance

Business Insurance is arguably the most complex of all insurance products, encompassing and protecting the many aspects of your business operations. With options including Property Insurance, General Liability, Professional Liability, Crime and Inland Marine, choosing the right coverage can be overwhelming. The business insurance professionals of McMichael Insurance can help you through the maze of coverage options that are available. Our goal is to give solid, well grounded advice that will provide cost effective solutions to the risks and challenges you face every day running your business. We strive daily to maximize our business clients’ dollar, while providing individualized top quality products and services. My guess is that you desire to associate with an insurance agency that works as hard for you as you do for your clients. McMichael Insurance will bring to you a knowledgeable and experienced team of business insurance professionals that will protect the business that you have poured your heart and soul into building. We will grow with you as your business continues to grow.

We have made a conscious effort in the selection of insurers that we represent and believe our efforts bring you the best in the industry. When evaluating and selecting insurers our priorities  include prompt, fair and efficient claims handling, reasonable prices, and coverage that is among the best available. We believe our clients expect and deserve a reliable, fair and efficient insurance company.  This is why we only    represent companies that are rated “A” (Excellent) or better for their financial stability by the A.M. Best Company.

Our comprehensive needs analysis will determine the coverage necessary for each business, with an eye toward future needs. Our informed and caring professionals will make recommendations based on a personal review of your particular situation that will build real economical value. Once the review is completed we will inform you of potentially dangerous coverage gaps you may encounter, and will explain the benefits – coverage and dollar savings – of each item of coverage where you have potential loss.

As a full service independent agency, we represent a comprehensive line of business insurance products from financially strong companies. Among the types of business products available are:

  • Commercial Property
  • General Liability
  • Commercial Automotive
  • Workers Comp
  • Bonds
  • Specialty Programs
  • Group Health

Also important, we actively keep apprised of the latest developments in the insurance industry. We monitor and evaluate current trends and products with an experienced eye on underwriting, claims response, cost containment and loss control. At each commercial renewal, the professional staff of McMichael Insurance will conduct a systematic review of your company for changes in your business operations that may precipitate the need for new products that might be of value.

Bottom line …… Our goal is to do our job to the best of our ability. Our success is measured most effectively by the success and efficiency of our clients’ businesses.

Listed above are simple definitions and overviews. For actual coverage, please consult your policy coverage manual.