COMMERCIAL INSURANCE

Todays business owners are the backbone of Michigan. Your commitment makes our state a better place to live, work and play. That’s why we offer a variety of policies to protect all your hard work and investments. Let your trusted Durga Insurance Insurance agent recommend the best insurance for you and your business. All of us at the Durga Insurance Group thank you for making our state the best it can be. We'd love to protect businesses like yours with business insurance.

TYPES OF COVERAGE

BUSINESS AUTO POLICY

At the Durga Insurance Group we value the opportunity to work with business owners to protect your valuable assets, your business operation, your dreams. We offer a variety of products designed with your business insurance needs in mind.

Our Business Auto Policy is designed to provide insurance for business vehicles registered and licensed in the State of Michigan.

This policy is available to many Michigan agricultural, professional, contracting, retail and wholesale businesses. It is designed to meet the business auto insurance needs of corporations, partnerships, unincorporated associations, sole proprietorships, and limited liability companies.

COMMERCIAL UMBRELLA 

Our Umbrella Liability Insurance policies will provide coverages when your liability needs exceed the liability limits available on your other insurance policies.

Contact your Durga Insurance Group agent for more information on commercial umbrella policy's.

INLAND MARINE POLICY

Our Commercial Inland Marine Policy is designed to provide insurance for business property on a scheduled basis.

This policy is available to many agricultural, professional, retail and wholesale businesses. Coverage is generally provided under the Commercial Inland Marine to property in transit or to property which is movable or portable and is not at a fixed location.

Commercial Inland Marine Coverage Options Include:

  • Accounts Receivable

  • Bailee's Customers

  • Contractors' Equipment

  • Electronic Data Processing Equipment

  • Equipment Dealers

  • Installation

  • Miscellaneous Property

  • Motor Truck Cargo

  • Valuable Papers

GUARDIAN POLICY

Our Guardian policy is a comprehensive package policy designed to meet the coverage requirements of the small to medium commercial property owner or business operator, such as:

  • Apartment Owners and Condominium Associations

  • Offices

  • Mercantile Operations

  • Service Businesses

  • Contractors

  • Churches

COMMERCIAL PACKAGE POLICY

The Commercial Package Policy combines property, crime, inland marine, and liability coverage's in one package. The policy can be tailored to meet the individual needs of your business.

Types of businesses that are suitable for Commercial Package Policy include:

  • Motel

  • Apartments

  • Office

  • Mercantile

  • Institutional

  • Service

  • Industrial and Processing

  • Contractors

  • Agriculturally related businesses

WORKER'S COMPENSATION

Our Worker's Disability Compensation Insurance policies protect a variety of Michigan agricultural and commercial businesses.

 

The Worker's Disability Compensation Policy is designed to cover the employer’s responsibility to employees for job-related accidents and disease. The employer's responsibilities are specifically set forth in the Michigan Worker's Disability Compensation Act.

This Policy is a way for you to provide medical and wage payments to employees for their work-related injuries, disease, or death, regardless of fault.

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