Commercial and Business insurance

While all commercial lines share some similarities, each policy will be tailored for the type of business being covered and the client’s unique needs. Suppose a structural engineering firm needs professional liability insurance. An insurance policy could protect the company against claims of negligence in creating a building’s plans, performing inspections, and supervising construction, as well as against claims of failure to render professional services. The firm could purchase general coverage as well as specific, additional coverage for each project, plus coverage for punitive damages.


Commercial lines aren’t just for large corporations. Even a small, home-based business might need one or more commercial lines because homeowners insurance provides limited or no insurance for business activities. For example, a home business might need commercial auto insurance for a company-owned delivery vehicle, workers compensation insurance for the employee who drives the vehicle, property insurance to cover business goods stolen from the home or vehicle, and liability insurance to protect against claims by any client who claims they were harmed by the business’s product. 

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Business Insurance

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Commercial Auto Insurance

 As a business owner you need some of the same insurance coverage's for the cars,trucks,vans or other vehicles you use in your business as you do for vehicles used for personal travel. 

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Business Owners Policy (BOP)

 This is a general insurance package that offers General Liability and Business Property insurance under one policy. General Liability protects your business from another person or business' claims of bodily injury, and related medical costs, property damage, data loss and personal injury. Business Property protects damage to a rented property and the equipment inside it.  

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Commercial Property Insurance

 Commercial Property Insurance helps recover when certain disasters jeopardize your business assets and real estate. Covered events might include fire, windstorms, theft, or vandalism. You can use the payout from your Commercial Property policy to repair or replace items such as your building, Computers,Furniture,Inventory,Equipment  

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Contractor Insurance

  We help protect a wide range of professionals, from electricians, plumbers, and HVAC contractors, to interior decorators, janitorial and lawn care services. Get the property and liability protection that is right for there business insurance.

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General Liability Insurance

   Commercial general liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. Policies shield you from the expense of out-of-court settlements, litigation and judgments awarded by courts.  

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Professional Liability Insurance

  Professional liability Insurance, more commonly known as errors & omissions is a form of liability insurance which helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.  

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JT Insures Me

100 W. Big Beaver Rd., Suite 200, Troy, MI 48084, US

(248) 765-3872

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed