Business Insurance: Protecting Your Business with Expert Solutions

At Frankenmuth Insurance, we understand that every business is unique. That’s why we offer a wide range of insurance solutions and expert support to meet the distinct needs of business owners today.

Your Trusted Insurance Partner

Navigating the world of business insurance can be complex. Our local, independent agents are dedicated to providing personalized service. They take the time to understand your specific business needs. This allows them to ensure you have the comprehensive coverage needed to protect your business. Whether you operate in construction, manufacturing, retail, or another sector, Frankenmuth Insurance offers the protection you require.

Industry Specializations

We have experience insuring a vast array of industries. We offer specialized coverage enhancements for the following:

• Construction
• Manufacturers
• Offices and professional services
• Real estate
• Retail stores
• Service industries
• Small businesses
• Wholesalers and distributors

Insurance Coverages

We offer a range of coverage options to suit varying business needs, including:

• Businessowners Policy (BOP): A comprehensive policy ideal for small businesses, combining property and general liability coverage.
• Commercial Package Policy: Providing a comprehensive solution for mid-size and large businesses, combining property and general liability coverage.
• Workers Compensation: This mandatory coverage in most states provides protection for your employees by covering medical expenses and lost wages resulting from work-related injuries.
• Cyber and Information Protection: Safeguarding your business against the impacts of cybercrime and data breaches, this product combines cyber liability and data breach insurance.
• Commercial Auto: Providing coverage for company-owned vehicles used for business operations.
• Hired and Non-Owned Auto Liability: Covering leased, rented, and employee-owned vehicles used for business purposes.
• Commercial Umbrella: Offering extra liability protection beyond your existing policy limits.
• Equipment Breakdown: Providing financial support for the cost of damaged mechanical equipment, building systems, loss of business income, spoiled inventory, and mandatory inspections.
• Professional Liability: Also known as errors and omissions (E&O) coverage, this protects your business by assisting with legal expenses if you are sued for unsatisfactory work.
• Employee Benefits Liability: Coverage to address claims made by employees related to improper administration (communication, record keeping, termination) of their benefits plans.
• Commercial Crime: Protection against employee theft, forgery, computer fraud, and more.
• Inland Marine (property away from premises): Coverage for mobile property that is lost, stolen, or damaged off-site.
• Employment-Related Practices Liability (EPLI): Covering legal expenses linked to employee lawsuits for claims of discrimination, harassment, and wrongful termination.

The Frankenmuth Insurance Difference

We strive to earn and maintain your trust with open and honest service. Here’s what sets us apart:

• Reputable history: We’ve been protecting businesses for over 150 years and hold an AM Best “A” (Excellent) rating.
• Guidance and expertise: Access local, independent agents with insurance expertise who will offer guidance to ensure proper protection for your business.
• Fast, fair claims: We offer 24/7 claims reporting and a representative will respond within 24 hours. Our claims satisfaction rating consistently exceeds 95%.
• Loss control experts: Take advantage of our regional loss control experts. They understand facility, workplace, and weather-related risks to help you avoid losses.