Protect Your Business with Coverage Tailored to You
At Marcus Schirr Insurance Group, we help small business owners across Southeast Michigan choose the right insurance coverage for their specific needs. As an agency connected with Farm Bureau Financial Services in Michigan, we provide access to trusted coverage options backed by a company with deep roots in supporting Michigan businesses.
We take a personal approach. Instead of just quoting policies, we take the time to understand your business, your risks, and your goals so we can help guide you toward the right protection.
Insurance Built for Michigan Small Businesses
Running a business in Michigan means navigating unique risks, from weather-related challenges to industry-specific exposures. That’s why choosing the right commercial insurance is critical.
Marcus works with businesses throughout Southeast Michigan to help protect:
- Your property and equipment
- Your employees and customers
- Your income and operations
- Your long-term business stability
We help you understand your options and choose coverage that fits your business today and grows with you over time.
Commercial & Small Business We Support
We specialize in working with small businesses across Southeast Michigan, including:
Contractors
Landscape companies, painters, tree services, excavating, masonry, and other trades rely on protection for liability, tools, equipment, and job sites.
Restaurants
From liability coverage to property protection, we help restaurant owners manage risks and protect their business operations.
Professional Offices
Legal, medical, dental, and other professional offices benefit from tailored coverage to protect against liability and operational risks.
Retail Stores
Protect your storefront, inventory, and customer interactions with coverage designed for retail businesses in Michigan.
Commercial Buildings & Property Owners
Coverage options for property owners and landlords to protect buildings, income, and liability exposure.
Med Spas
Specialized coverage options for growing med spa businesses operating in Southeast Michigan.
Hotels
Insurance solutions designed to protect hospitality businesses, guests, and physical property.
If your business operates in Michigan, Marcus can help you evaluate your risks and build the right insurance plan.
Coverage Options Include
Through Farm Bureau Financial Services, we offer a range of commercial insurance options designed to help protect small businesses in Southeast Michigan:
General Liability Insurance
Helps protect your business from claims involving bodily injury, property damage, or third-party accidents. One of the most important coverages for small businesses in Michigan.
Commercial Property Insurance
Helps protect your building, equipment, inventory, and business assets from covered losses such as fire, theft, or certain weather events.
Business Owners Policy (BOP)
Combines general liability and commercial property insurance into one policy, providing broad coverage for small businesses.
Workers’ Compensation Insurance
Helps cover medical expenses and lost wages if an employee is injured on the job, supporting both your team and your business.
Commercial Auto Insurance
Provides coverage for vehicles used for business purposes, including trucks, vans, and service vehicles operating throughout Southeast Michigan.
Business Interruption Insurance
Helps replace lost income if your business is temporarily unable to operate due to a covered event.
Cyber Liability Insurance
Helps protect your business from cyberattacks, data breaches, and digital security risks.
Professional Liability Insurance
Helps protect against claims related to professional services, errors, or omissions.
Employment Practices Liability Insurance (EPLI)
Helps protect your business from employment-related claims such as discrimination or wrongful termination.
Commercial Umbrella Insurance
Provides additional liability protection beyond your primary policy limits for added peace of mind.
Why Work with Marcus Schirr Insurance Group?
Choosing the right insurance partner matters. Marcus provides:
- Local expertise in Southeast Michigan
- A personal, one-on-one approach
- Guidance tailored to your business and industry
- Access to Farm Bureau Financial Services coverage options
- Ongoing support as your business grows
We don’t believe in a one-size-fits-all policy. We help you understand your options so you can make confident decisions about your coverage.
Commercial Insurance FAQs
How can I get commercial insurance?
You can get commercial insurance by working with an agent who reviews your business and recommends the right coverage. Marcus helps small businesses across Southeast Michigan find policies that fit their needs.
What type of insurance do I need for my business?
It depends on your business type. Contractors, restaurants, offices, retail stores, and service-based businesses all have different risks. Marcus helps you determine the right combination of coverage.
What does business insurance cover?
Business insurance can cover property damage, liability claims, employee-related risks, and lost income due to covered interruptions.
What does small business insurance cover?
Small business insurance typically includes general liability, property coverage, and optional protections like workers’ compensation or business interruption coverage.
How much does commercial insurance cost?
The cost varies based on your industry, business size, location, and coverage needs. Marcus provides customized guidance for businesses in Michigan.
What is commercial liability coverage?
Commercial liability coverage helps protect your business from claims involving injuries, property damage, or legal action from third parties.
What is business liability insurance?
Business liability insurance is a general term for coverage that helps protect your business from legal and financial responsibility related to claims or lawsuits.
What is employment practices liability insurance (EPLI)?
EPLI helps protect businesses from claims related to workplace practices such as discrimination, wrongful termination, or harassment.
Which insurance covers operating costs after a loss?
Business interruption insurance helps replace lost income and cover ongoing expenses if your business is unable to operate due to a covered event.
Protect Your Business with Confidence
Your business deserves protection that fits the way you operate. Marcus Schirr Insurance Group helps small business owners across Southeast Michigan and Michigan choose the right coverage through Farm Bureau Financial Services, backed by a personal, local approach.