Buy affordable generalliability insurance onlinein less than 5 minutes
No paperwork.
Instant coverage.
No-commitment quote.
General liability insurance and benefits in Michigan
If you run a small business in Michigan, you need general liability coverage. It protects your company by providing much-needed legal and financial support if you’re ever sued for bodily injury, property damage, or advertising injury.
What are the chances of being sued? Higher than you might think. 4 out of 10 small businesses will face a liability lawsuit in the next decade—and when they do, they’ll face hefty legal bills and cash settlement expenses. A liability lawsuit can take years to settle and could cost in the hundreds of thousands of dollars. It could kill your business if you’re not prepared.
So how does commercial liability work to protect you and your business? Here’s a simple example: Let’s say you own a daycare business. One day, a parent walks in to pick up their child and slips on a newly-washed floor. They’re clearly injured. You offer to help but they refuse, mentioning something about going to an urgent care center. The next day, they withdraw their child from your daycare.
You have a bad feeling about where this is going, and you’re right. Six weeks later, you get a letter from a lawyer. You’re being sued for $100,000 by the injured customer. What do you do now?
If you have Michigan business liability insurance, you don’t have to worry. You’ll simply call your insurer. Their lawyers will work on the situation on your behalf—so you can get back to running your business. But if you don’t have general liability? Unfortunately, you’ll have a rough ride ahead of you. You’ll need to figure out what’s going on, hire a lawyer, gather financial resources, and—ultimately—pay any financial settlement. All on your own.
Yes, it’s a bleak prospect, and it happens to far too many small business owners in the country. It doesn’t have to happen to you, though. Especially since you can get general liability coverage in about 5 minutes from Huckleberry (and sleep much better tonight).
How much is general liability insurance in Michigan?
We’ve got good news: General liability insurance can be pretty affordable. In fact, Huckleberry customers have paid as low as $33 per month for their general liability policies. (That’s only about $1 per day, and far less than the cost of a liability lawsuit.)
Get a 60-second estimate on what you might pay for general liability insurance.
Most common industries getting general liability insurance:
Here’s why Michigan businesses buy general liability insurance from Huckleberry
- You can insure your business in about 5 minutes. (Really.)
- Everything is online and super easy.
- All decisions are explained in everyday English.
- You can save a lot. (Huckleberry customers have saved as much as 32%.)
Common questions about general liability in Michigan
Michigan business insurance requirements don’t mandate general liability—but that doesn’t mean you should go uninsured. In fact, that’s a very bad idea.
Why? Well, thousands of small businesses are sued every year—many for incidents which they couldn’t control and could never have foreseen. And once you’re sued, there’s usually no getting out of it without spending a lot of time and paying a lot of money. If you don’t have a significant cash reserve and an on-staff lawyer, it makes no sense to go without general liability coverage. It’s just not worth the risk.
We’ll be blunt: You have a 40% chance of being sued in the next decade. And when a lawsuit happens, it’s very expensive to fight—maybe too expensive. An unexpected liability suit at the wrong time could even put you out of business.
And even if you’re not worried about lawsuits, you should know that many large clients require proof of liability coverage before they’ll even consider signing a contract with you. (After all, they need you to stay in business.)
Luckily, you can get your business covered in a few minutes with Huckleberry. The process is completely online and easy and you could save up to 32% on your coverages.
Most small businesses in the U.S. need general liability so you probably do, too. Luckily, it’s easy to check your eligibility for liability coverage. Just answer a few quick questions here.
Don't take our word for it
Get a quote in five minutes.
Everything's online. Everything's easy. Tap the button to get started.