Commercial Property

The commercial property policy provides coverage for damage or destruction of your buildings and business contents.

We will take a careful look at your property coverage needs to make sure that your business can survive a catastrophic loss to your place of work. This includes rebuilding or repairing your building, replacing your contents, and even providing coverage for your loss of income while your operations are suspended as a result of the loss.

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Coverage Types

Agreed Value
When the Agreed Value option is activated, the coinsurance requirement does not apply. Adequate limits of insurance will need to be demonstrated to the insurer prior to this coverage becoming available.
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Backup of Sewers or Drains
While excluded in the standard Commercial Property Policy, this valuable coverage may be purchased at an additional cost. Coverage is available for loss caused by the overflow or backup of sewers, drains or sumps. The limit selected is generally the maximum available for claims resulting from Sewer or Drain Backup, including damage to property and resulting loss of income.
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Blanket Property
Blanket Property Insurance is an important element of a business insurance policy when its use is granted by the insurance company. This valuable coverage eliminates the individual coverage limit applying to Building, Your Business Personal Property and Personal Property of Others. With Blanket Property Coverage, you receive a single limit of coverage applying to the items of coverage included in the Blanket Schedule.
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Building
Building coverage on a commercial property policy provides coverage for not only the building, but also for fixtures, machinery and equipment if permanently installed. In addition, it provides coverage for outdoor fixtures and personal property used to maintain or service the building, such as fire extinguishing equipment, outdoor furniture, floor covering and appliances used for refrigeration, ventilating, cooking, dishwashing or laundering. What is important to remember is that each building, and each item considered a building, must be described. This can be accomplished by a broad description of the building or by endorsing the policy with a form called Additional Building Property so that the intent of what we are covering is clear.
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Building Ordinance or Law
Many cities and counties have ordinances or laws regulating the construction, repair or demolition of insured buildings. The most commonly exercised ordinance would require bringing the building up to current and modern building codes following a loss. An extreme example would require the tearing down of an entire building if 51% or more of the structure sustained damage.

Let’s consider this for a moment and the impact upon an “unendorsed” business insurance policy. The standard business insurance policy only requires constructing the building as it sat immediately prior to the loss. The Building And Business Personal Property policy insuring agreement reads as follows:

Coverage

We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from any Covered Cause of Loss.

The phrase direct physical loss is further emphasized in the Cause of Loss form attached to the Building And Business Personal Property policy. The Cause of Loss form exclusion related to Ordinance or Law reads as follows:

Ordinance Or Law

The enforcement of any ordinance or law:

Regulating the construction, use or repair of any property; or
Requiring the tearing down of any property, including the cost of removing its debris.

This exclusion, Ordinance Or Law, applies whether the loss results from:

An ordinance or law that is enforced even if the property has not been damaged; or
The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property, or removal of its debris, following a physical loss to that property.

The clarity of these provisions is unmistakable, the intent of the policy to pay for insured building damage only applies to direct loss, not indirect losses that an insured may suffer.

Coverage for Ordinance or Law may be purchased for an additional cost. The coverage that may included for Ordinance or Law are as follows:

Coverage A – Coverage For Loss To The Undamaged Portion Of The Building;

Coverage B – Demolition Costs Coverage; and

Coverage C – Increased Cost Of Construction Coverage.

These coverages all relate to the building portions sustaining direct damage, but because of the operation of the Ordinance or Law the insured suffers loss.
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Business Income and Extra Expense
A crucial part of any business insurance policy, Business Income coverage provides money for the continuation of your business operations, after a covered loss, including normal ongoing operating expenses and payroll. Coverage is triggered by the necessary suspension of your operations, caused by direct physical loss or damage arising from a covered cause of loss at the described location.

The illustration below should assist in your understanding (click to expand).


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Business Income from Dependent Properties
Dependent Properties Business Income will provide coverage for your loss of income resulting from a suspension in your operations, caused by and resulting from a covered loss at the location of someone whom you are dependent upon to: Deliver materials or services to you (Contributing Locations); Accept your products or services (Recipient Locations); Manufacture products for delivery to your customers under contract of sale (Manufacturing Locations); Or to attract customers to your locations (Leader Locations).
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Business Income Waiting Period
Business Income Waiting Period is, by all intents and purposes, a deductible expressed as time. The typical waiting period before business income coverage begins to pay is 72 hours, however, other time options are available to suit your specific needs.
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Business Personal Property
Business Personal Property is defined as the following: Furniture and fixtures; Machinery and equipment; Stock; All other personal property owned by you and used in your business; Labor, materials or services furnished or arranged by you on personal property of others; Your use interest as tenant in improvements. Improvements and betterments are fixtures, alterations, installations or additions that are part of the building or structure you occupy but do not own; and that you acquire or made at your expense but cannot legally remove. Leased personal property for which you have a contractual responsibility to insure, unless otherwise provided for under Personal Property of Others is also included.

Business Personal Property is broken down into several separate coverage types in the standard Commercial Property Policy. They are Your Business Personal Property, Property of Others and Stock. Each of these will be included if described in the declarations of coverage for Property.
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Cause of Loss-Basic Form
The basic causes of loss form provides coverage for the following named perils: fire, lightning, explosion, smoke, windstorm, hail, riot, civil commotion, aircraft, vehicles, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action.
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Cause of Loss-Broad Form
Broad Form coverage limits the causes of loss for the following perils: Fire or lightning; Explosion; Vandalism; Sprinkler leakage; Windstorm or hail; Smoke; Aircraft or vehicles; Riot or civil commotion; Sinkhole collapse; Volcanic action; Breakage of glass; Falling objects; Weight of ice, snow or sleet; Water damage; Collapse.
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Cause of Loss-Special Form
Expands the Broad Form Cause Of Loss to provide for all “risks of direct physical loss,” except as limited or excluded in the basic policy. This approach says that all Causes of Loss are insured, except those specifically excluded. Not only are you afforded much more coverage for your property, but it also forces the burden of proof upon the insurer to prove that the claim is excluded. This is a minor distinction, but never-the-less, a huge advantage in favor of the insured.
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Coinsurance
Adequate insurance to value is required for Buildings and Business Personal Property in order to avoid coinsurance penalties. It is required that you maintain insurance equal to at least the coinsurance percentage stated in the policy. For example, if a Building is valued at $250,000, an 80% coinsurance requirement means that you would have to be insured for a minimum amount of $200,000 (80% of $250,000) in order to collect the full amount of any loss. Losses are then reduced by the percentage that you are considered underinsured.

In order to understand the impact coinsurance will have upon your business you must first understand several points of contention in the wording of the standard property policy coinsurance provision. First of all, what does “value” mean? If you have a replacement cost policy then value refers to the amount needed to replace the insured property with new property and without depreciation. Second, who determines this value? I can assure you that it will be the insurance company holding the claim check book. After all, they stand to benefit greatly by applying coinsurance penalties to your loss settlement.

A well crafted insurance policy will serve your best interest and help you eliminate the pitfalls of coinsurance. Talk with an insurance professional and see if they discuss coinsurance with you. If not, I highly recommend you move on and find an agent that will talk simple terms with you on how to avoid or eliminate these penalty provisions.

The following example will serve to illustrate the devastating effects that Coinsurance can have on a claim settlement:


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Debris Removal
While the Building and Business Personal Property coverage pays for the actual value of the damaged property, debris removal serves as an equally important function in that the remains of the damaged property must now be removed before you can begin the rebuilding process. This coverage pays for the cost to remove the debris from the site that results from a covered cause of loss.
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Earthquake
Earthquakes, although rare in the Midwest, are still a possibility and have the potential to cause severe damage. Coverage may be purchased that will protect you from damage caused by not only earthquake, but also land shock waves and tremors.
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Equipment Breakdown
The standard property policy specifically excludes coverage for artificial electrical current; sudden and accident mechanical breakdown; and explosion of steam operated boilers, engines, turbines and their piping. Equipment Breakdown is an affordable approach to gaining coverage for loss cause by these normally excluded causes of loss.
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Extended Period of Indemnity
You suffered a large loss to your business and, thankfully, have been receiving payments from your insurance company for loss of Business Income. Finally, the long awaited moment arrives. You are ready to open your doors for business again but there’s only one problem, where are your customers? Do they know you are open, have their loyalties gone elsewhere, have they contracted services of another similar business and are locked into a contractual commitment? Extended Period of Indemnity provides income, from the time your doors open for business, for a selected period of time, in order to get your income levels back to pre-loss levels.
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Flood Coverage
Flood coverage is normally not available through the standard insurance markets, but may be purchased through the National Flood Insurance Program (NFIP) of the Federal Emergency Management Agency. Coverage inquiries can be made direct to the NFIP Servicing Agent by calling (800) 638-6620.
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Functional Replacement Coverage
This option converts the loss settlement provision from actual cash value to functional replacement coverage. With functional replacement, we will pay for the full repair or replacement of the damaged property, without deduction for depreciation, up to the limit of insurance using common materials and methods that are functionally equivalent and with the same capabilities as the damaged item. Functional Replacement Cost coverage also includes coverage for Debris Removal and Building Ordinance or Law Coverage. With the inclusion of these added coverages, particular attention should be paid to the limit of insurance you select for the building.
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Glass Coverage
Glass coverage provides expanded coverage for specifically insured glass, lettering and ornamentation. The Special Form Cause of Loss provides up to $100 per plate or pane with a $500 limit for all glass breakage that occurs at any one time. With this coverage form, the limitation is removed for the glass specified in the schedule.
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Off-Premises Services
Off-Premises Services coverage may be provided for loss or damage, including loss of business income, caused by the interruption of services at the described location. The interruption must result from direct physical loss or damage by a covered cause of loss, including the power supply, power transmission lines, water supply, or communication supply.
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Pollutant Clean-Up and Removal
A limited amount of pollution coverage is granted in the Commercial Property policy for the extraction of pollutants from land or water at covered locations, caused by or resulting from a specified cause of loss.
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Replacement Cost
Replacement Cost is widely used in business insurance and changes the loss settlement provision from actual cash value to replacement value. With replacement coverage, we will pay for the full repair or replacement of the damaged property, without deduction for depreciation and up to the limit of coverage. This option may be applied to Buildings, Your Business Personal Property and Property of Others.
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Signs and Outdoor Property
Coverage may be expanded and increased for signs and outdoor property of all types, including electric and neon signs, mechanical and street signs. The basic policy is limited to $1,000, and only while attached to insured buildings.
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Spoilage to Refrigerated Stock
Restaurants, florists and other businesses that have perishable stock on location can greatly benefit from this coverage. Coverage may be provided for the breakdown of the refrigeration unit, contamination of stock by refrigerants, and power outage occurring off-premises. Coverage may be provided for either the stocks replacement value or its selling price.
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Our Customers

I have been dealing with Faith Recchion at McMichael Insurance. Her communication has been very professional and response to all inquiries has been in a timely fashion. Found me the best rates for home and car year after year.
Greg Pastor
Greg Pastor
22:01 02 Apr 24
Best insurance experience I have had!I love that they send you a video of their proposal and explain everything!Not too bad that they found me the best rates as well!
Tony L Orth
Tony L Orth
23:43 01 Apr 24
Have been a client for decades. Never will choose another company.
Tara Centea
Tara Centea
20:44 28 Mar 24
Dennis was incredibly helpful and efficient in helping me get in contact with my insurance adjuster. He responded immediately to my concerns and was friendly and understanding of my frustration. He went to bat on my behalf and got results immediately. Thanks Dennis!
Sarah Jeppesen
Sarah Jeppesen
03:10 28 Mar 24
I really appreciate their help and orientation, they take the time to answer all your questions and overall, it's a great option to get your insurance from!!
Juan Rivera
Juan Rivera
19:21 23 Mar 24
Great attention and willingness to help find the best option for me!
Antonio Rivera
Antonio Rivera
18:16 13 Mar 24
Wonderful to work with! I would highly recommend!
Ashley Hendricks
Ashley Hendricks
17:55 12 Mar 24
My customer needs have always been exceeded in working with Dennis McMichael. His experience is such a plus and I always feel protected with the best possible insurance solutions to needs. He is prompt and follows up on everything. At the same time, I have always saved money in working with his business relations! Dennis McMichael is old school and truly believes in follow up.
Terry Stilla
Terry Stilla
12:01 12 Mar 24
Sherry is absolutely amazing! She went through all of my policies and found the best matches for my needs and saved me money! She was very thorough, knowledgeable and got back to me quickly. 10/10 recommend!
Tiffany Yanulaitis
Tiffany Yanulaitis
13:56 07 Mar 24
McMichael Insurance works hard for their clients. Any and every time I called with a question or statement, they answered it promptly. They all were very helpful. The office staff was interested in in the client as a person as well. My wife and I are very pleased with McMichael Insurance.
Dan and Lisa Fouser
Dan and Lisa Fouser
21:35 01 Mar 24
Working with Kathryn and Brian made the switch to McMichael simple and flawless. They took the time to explain things we didn't understand and to make sure we had the coverage we need. My favorite part about working with McMichael Insurance is the additional benefits like online training, tips, tools and webinars that ensure my staff is up to date on current policies and trends that could affect our small nonprofit in Columbiana County.
Chaney Nezbeth
Chaney Nezbeth
13:37 01 Mar 24
Faith was wonderful! Found me the best deal on the market. Thanks!
Marcus Still
Marcus Still
18:46 28 Feb 24
always very helpful at answering questions and resolving issues on telephone the first time.
Harold Redman
Harold Redman
16:41 19 Feb 24
The service and expertise Sherry provided was amazing. She really worked hard to find us/get us the best quote! Really pleased to change carriers and to now work with McMichaels.
Joshua Ralston
Joshua Ralston
18:28 15 Feb 24
Dennis was so helpful and patient! He took time to answer all my questions and made sure I understand all the coverage changes I wanted to make. I appreciate all of his help and going out of his way to assist me in setting up my new insurance! So thankful for a caring company!
Alyssa Nagy
Alyssa Nagy
16:41 15 Feb 24
Dealt with Debbie, Brian and Dennis on multiple policies. Excellent service. Subject matter experts in the field. Difference between them other past agents, was that they asked questions on things I didn't even know to ask to ensure I was properly insured with proper amounts. Understood my needs. Having been through the Hurricane experience, I understand the importance of good policy/companies. Many INSUR companies will take your money but won't pay out or support you when times comes. Fortunately, in FL, I had great INSUR company. My point? Definitely want educated agents who are experts and honest. Hands down, best service I ever had, and I was with USAA for 27 yrs. Thank you and appreciate excellent customer service. Definitely recommending them to my family and friends.
Sonny Veteran1
Sonny Veteran1
15:55 15 Feb 24
the coverage they found me was apples to apples to the former company i had at half the cost. A 50% savings a year is a great help pushing retirement years. Thanks again McMichael Insurance.
John Gerard
John Gerard
14:53 13 Feb 24
Sherry was great to work with and very knowledgeable about the products and recommendations. I highly recommend her and McMichael Insurance if you are looking to get the best service and price.
john brown
john brown
14:20 12 Feb 24
Sherry is a very knowledgeable and pleasant person. I could not have asked for a better resource for my insurance needs. Thanks.
Rod Reamer
Rod Reamer
13:03 09 Feb 24
Absolutely best company around!
Ashley Teeple
Ashley Teeple
19:33 07 Feb 24
They make things easy
Pat Minotti
Pat Minotti
14:38 07 Feb 24
Agents are always pleasant and helpful and are available to answer questions. There were no issues with my most recent claim experience. I would recommend McMichael Insurance for all your insurance needs.
April Woodland
April Woodland
21:21 04 Feb 24
I needed to get some new quotes and Faith at Mcmichaels went above and beyond at getting me what I needed for insurance. She listened to me and it was a pleasure to work with her.
John Seaburn
John Seaburn
22:42 01 Feb 24
McMichael Insurance has helped me with my insurance needs for home, auto and watercraft for many years. Whenever I need assistance, I always find them to be kind, professional and thoroughly knowledgeable. They communicate well and follow through with their commitments. I greatly appreciate the partnership we’ve built over the years.
Scott & Jeri Clark
Scott & Jeri Clark
14:59 01 Feb 24
I've used McMichael for about 20 years now. They have always gone above and beyond to make sure my questions are answered, and I have the appropriate coverage.
Dan Kort
Dan Kort
02:49 01 Feb 24
Sherry is great to work with. Patient and very knowledgeable.
YOUR DENTAL HYGIENIST
YOUR DENTAL HYGIENIST
14:38 29 Jan 24
Sherry was very helpful through the process and helped us secure insurance for our investment property on such short notice. Thank you
One Family One Home
One Family One Home
15:43 24 Jan 24
Can't thank enough to Mark for helping me with the perfect home insurance which is cost effective and covers everything I was looking for.Thanks.
Samir Hasan
Samir Hasan
14:54 22 Jan 24
We have held our insurance (home, auto and life) through McMichael Insurance for quite a few years upon recommendation from our financial advisor. They are not only honest and helpful but empathic and relatable. Over the years I have had various insurance questions and concerns, and never once have I hesitated to call them. I never feel rushed or leave the conversation feeling like I didn't have my question answered. They are patient as well as reliable. Most recently I have had to file a claim and Dennis was more than willing to take the time to walk me through the process as well as offer personalized advice on the details of how to handle things going forward. I even received a follow up phone call today checking to make sure the process was going smoothly. I couldn't ask for any better service and would highly recommend McMichael Insurance.
hon350
hon350
00:56 19 Jan 24
Excellent communication and response
James Scoby
James Scoby
14:14 18 Jan 24
They got me a great policy with a wonderful price!
TROY TOMCZAK
TROY TOMCZAK
22:29 17 Jan 24
A wonderful experience, wish it were free . . .
William
William
15:22 11 Jan 24
I feel that Dennis did a wonderful job he was able to negotiate me a really good price on my insurance.
Rochelle Ford
Rochelle Ford
14:27 09 Jan 24
Sherry was so nice! Fantastic! Highly recommend.
Kelly Ward
Kelly Ward
14:31 08 Jan 24
Sherry was wonderful at finding me the best rate with the most coverage. She was very friendly and prompt with the contract. I highly recommend McMichael.
Renee Davidson
Renee Davidson
14:15 27 Dec 23
Dennis McMichael and Melissa Carr are exceptional. They helped me to navigate through all of my changes. When I left a message I was promptly called back. Great Company & Great people.
John Mcmahon
John Mcmahon
17:42 21 Dec 23
Best insurance! They were able to provide me good home insurance. Recommend Sherry Barnes
Sohee Moon
Sohee Moon
20:15 18 Dec 23
The most amazing service and staff!!!
Michael Mariana II
Michael Mariana II
14:54 12 Dec 23
Sherry Barnes at McMichael Insurance was most helpful in finding home and auto insurance that met our needs and budget. She not only found much better coverage than our previous policies but premiums that are substantially less than what we have been paying. We are glad we contacted McMichael Insurance.
Chip Lago
Chip Lago
18:26 11 Dec 23
Great to work with Sherry!
Kirk Manton
Kirk Manton
14:48 07 Dec 23
Dennis McMichael is an excellent insurance agent that works exclusively to help his clients save money and receive the best coverage available.
Don Garrini
Don Garrini
20:58 06 Dec 23
Dennis and the staff were very thorough and professional and they seemed genuinely interested in my satisfaction. I would highly recommend them for all your insurance needs.
Tom Scudiere
Tom Scudiere
19:23 28 Nov 23
I have been with McMichael for many years now and they have always taken care of my needs. Debbie Craft is amazing to work with. I spent over an hour on the phone with her asking question after question and she never tired. She never gave the sense that it was time to move on to the next customer. She followed up when she said she would and delivered just as she said she would. She saved me over $1,000/year. Extremely pleased customer here.
Don Giddens
Don Giddens
16:58 26 Nov 23
My insurance agent was unavailable-so glad Debbie Craft took my call!. After hearing that my hail damage claim was rejected, she immediatly put me through to her superviser who came to my home to discuss the claim. Thanks to Debbie's initial intervention, I ended up receiving a substantial sum. She also got me a fantastic deal on insurance for my antique car. In both cases her actions were imediate-effeciency should be her middle name!
stew langenbeck
stew langenbeck
17:44 21 Nov 23
We have had insurance with them since the 1990's.
Janice Miller
Janice Miller
14:35 21 Nov 23
Thank you for staying on top of my policies and your easy professionalism.
Robin L. Brower
Robin L. Brower
15:07 17 Nov 23
Dennis and Dawn are amazing to work with. One hopes to never need to file an insurance claim but when it is necessary, I would not want to have to navigate the situations without an advocate! For example, on one occasion, I was rear-ended on the freeway in Columbus during rush hour. When I called the police, I was told that since the vehicles were drivable, no officer would be dispatched. Not knowing what to do, I called my insurance agent, Dennis. Dennis talked with both the other driver and me to document all the necessary information to file the claim. Who does that?? Well, MY insurance agent does that!!And Dawn is a problem solver! When our mortgage was sold to another company, there was a lot of confusion between the banks and our insurance premiums were paid to the wrong bank. Dawn spent a lot of time working through those details to clean up a mess that wasn't of her doing!People will often tell me that they like buying insurance directly without using an agent. For me, that's not an avenue I wish to take. I want the benefit of knowing I have a group of people ready to intervene when (not "if") life happens!
Kim McNamara
Kim McNamara
21:30 16 Nov 23
Sherry Barnes at McMichael Insurance is just superb. She’s attentive, knowledgeable and very friendly. Im now paying HALF of what I was paying for home and auto insurance!
Stunt Cat
Stunt Cat
15:02 16 Nov 23
worked with Sherry. after several phone calls/emails, I ended up buying new policies via her. Saved some $ vs. auto renewal with another mainstream insurance company.
David Chen
David Chen
15:32 15 Nov 23
Very responsive
Jeremy Rentz
Jeremy Rentz
14:14 15 Nov 23
I'm a new customer with McMichael Insurance, transferring from a long-standing relationship with another agent. Making the switch to McMichael's was difficult because of my prior relationship with my tried-and-true agent, but had to be done due to shifts in the market and our needs. Dennis worked with me so thoroughly and with such empathy and patience that I felt I was moving from one caring agency to another. I felt understood and held very competently by Dennis and his team. A big thanks for helping us on this new journey!!
Dave Schrader
Dave Schrader
17:14 14 Nov 23
Professional service . Excellent!!
Benoy Michael
Benoy Michael
15:58 13 Nov 23
Brian was very attentive, delivered exactly what we were looking for!
joel orellana
joel orellana
14:24 13 Nov 23
New client. JimGreat experience!
Greg Theirl
Greg Theirl
14:28 10 Nov 23
It is always a pleasant experience working with the McMichaels. They explain everything thoroughly and there is never any pressure.
Ginny Curran
Ginny Curran
21:13 09 Nov 23
Sherry is very friendly and extremely helpful and knowledgeable.
Martin Carlton
Martin Carlton
17:21 08 Nov 23
All my questions are answered quickly and expertly. Their advice has always proved to be trustworthy. They are kind and eager to be helpful.
Sheryl Buckley
Sheryl Buckley
21:26 02 Nov 23
McMichael Insurance has provided our company many years of exceptional service. The whole team at McMichael Insurance has been outstanding. Kathryn Wolf (Senior Mgr),our Acct Mgr, and has been nothing but superb. You will be more than satisfied with the quality of service this agency provides.
Jeff Judd
Jeff Judd
19:27 31 Oct 23
Dennis is super quick to respond and very helpful! A+ in my book! He is definitely in my "CIRCLE OF TRUST" when it comes to professionals!
J M
J M
19:11 30 Oct 23
Sherry was very helpful and charming with getting our home and auto insurance set up. We appreciate her hard work and look forward to working with McMichael Insurance.
Joe Howell
Joe Howell
16:26 27 Oct 23
Sherry was incredibly helpful in explaining all options and coverages. She even took time to give suggestions based on best possible value. I couldn't be happier with the coverage she found me.
Jared Markwald
Jared Markwald
20:13 18 Oct 23
Great prices on insurance, helpful and friendly customer service !!
Roger RogerM
Roger RogerM
16:46 17 Oct 23
I like dealing with an agent vs. a website andSherry did a great job setting up insurance for my car.
Thomas Pawlik
Thomas Pawlik
13:47 12 Oct 23
If I could rate in half stars, I would say 4.5 stars. Sherry was professional and found a good deal on my bundled insurance. Would recommend.
Daniel Kopinsky
Daniel Kopinsky
22:21 11 Oct 23
I have been with them for years. Excellent people. They have always taken good care of us. They don't play games and sell you stuff you don't need. Very honest, fair, and knowledgeable, so why go anywhere else? Thank you!
Michael Decker
Michael Decker
23:30 06 Oct 23
Everything I needed and more! This company is amazing and they make amazing things happen!! Will be using for a very long time!
McMichael Insurance saved my husband & I thousands of dollars on insurance for our home, vehicles and farm compared to our previous provider. Their staff is very professional, friendly & knowledgeable. I would & have recommended them to friends & my own real estate clients.
Darlene Kearney
Darlene Kearney
21:34 04 Oct 23
Although I haven't had any issues to require me to utilize the insurance, I am very pleased with the communication and setup process Sherry walked me through. Honestly, she did all the hard work. Very appreciative for her making the homeowners insurance (and car insurance) process a breeze while I was busy working on buying a home.
Kate Macko
Kate Macko
16:02 03 Oct 23
Sherry was very professional and courteous took really good care of me and got me the best deal
Jamie Fleming
Jamie Fleming
15:12 26 Sep 23
I had a great experience working with Dennis throughout the entire insurance process as I had 3 policies up for review. He promptly answered any questions and suggested some great changes. I received a double benefit: better coverage at a significantly lower cost. The whole staff is top notch and handles changes quickly and professionally. I highly recommend McMichael Insurance for all your insurance needs. 5 stars!
J Stach
J Stach
01:53 26 Sep 23
Working with Dennis has been such a great experience! He called right away when I sent in an online request for information and answered every single question. Dennis saved us so much money with MORE coverage! I am so glad that we found McMichael Insurance. I highly suggest them to anyone and everyone I talk to now. Call them now and see what they can offer for you!
Jessica Boyer
Jessica Boyer
13:14 13 Sep 23
Warm friendly and helpful.
Jeff Schofield
Jeff Schofield
19:00 30 Aug 23
Have been a client of Dennis McMichael for years. He is excellent. Always promptly answers any questions I have. His staff is wonderful. Always handles any changes quickly.
janice zabish
janice zabish
23:14 29 Aug 23
McMichael always has my back, finding me better insurance opportunities while at the same time reducing my cost. I’ve beefed with them for 30+ years and they have been doing a great job handling my insurance needs.
Jeff Baker
Jeff Baker
13:27 28 Aug 23
My late husband was a customer of McMichael for years! Now, my grandson is following in his grandpa's steps, feeling totally "safe" with McMichael as his insurance company!
Vicki Sorber
Vicki Sorber
13:55 24 Aug 23
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.
Brenda Gates Hedrick
Brenda Gates Hedrick
13:48 22 Aug 23
Sherry at McMichael Insurance was extremely professional, and a joy to work with! I would recommend them to everyone for any insurance needs.
Leslie Kauffman
Leslie Kauffman
14:34 21 Aug 23
I am very pleased with the service that was provided for me, I couldn't find that kind of service anywhere else, the representative Was down to earth and very professional, I highly recommend this company.
Clark Ross
Clark Ross
03:36 18 Aug 23
Very efficient and easy to work with.
Tracy Moorw
Tracy Moorw
20:20 15 Aug 23
Laura & Faith worked with me to secure a landlord coverage policy. I will definitely be using their service in the future. They were quick to answer any request the lender had and were following up during the process. Thanks Laura & Faith
Isabelle S
Isabelle S
16:09 14 Aug 23
Dennis was a rock star and was able to "swoop in" to provide an insurance quote for a Short Term Rental Property that I just acquired where other insurers couldn't/wouldn't. Thanks, Dennis!
Danny Cota
Danny Cota
14:38 08 Aug 23
Awesome customer service....very helpful and pleasant!!!
Jenny Cogar
Jenny Cogar
15:08 03 Aug 23
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