We have insurance products that range from general liability, product liability, building coverage, property coverage, finished stock, crop coverage, equipment breakdown, workers compensation, excess liability, commercial auto, cyber, and more!
We are based in Michigan and the state requires general liability and product liability in the amount of $100,000 each. We are seeing that most states require the same types of policies – general liability and product liability, but limits required differ.
We are seeing that many of the cities and townships in Michigan are requiring higher limits of liability (often times $1,000,000 per occurrence/$2,000,000 aggregate). Others are following what is mandated by the state. It’s important to check with your own municipality to verify their requirements.
While we feel that every business is different, we feel the largest exposure in this industry could end up being product liability.
Yes – this can be covered on your policy.
Safety compliance labs are held to the same requirements as other businesses. A professional liability policy will also be imperative to carry.
Yes, we can insure cargo in transit!
You bet! As long as the crop is an indoor or greenhouse grow, we can absolutely insure them!
We have coverage for hired and non-owned automobiles.
No – the business would need a policy and the entity that owns the building would need a lessor’s risk policy to insure the building and general liability.