Business Insurance in Michigan Protects You from Natural Disasters


You’re about to live the American Dream. You just need to finish some paperwork and you’ll be opening your own business soon enough. Hopefully, some of that paperwork includes an application for business insurance in Michigan, particularly business property insurance.

Kitchen Hartford

Did you know that roughly 25 percent of businesses forced to close down due to a natural disaster never open their doors again? That’s particularly disturbing news for places like Michigan, which experiences a variety of rough weather conditions. Disasters can strike without warning and at any time, such as what WWMT News Channel 3 recently reported:

“Van Buren County dispatchers say fire has ripped through the Keeler Keg & Kitchen in Hartford.


Several calls came in about smoke around 2AM. When crews arrived at the location on Territorial Road there were flames showing.


Dispatchers believe the structure was empty, no injuries have been reported.


By 3:27am the fire had been contained, but crews were still on scene mopping up hot spots.


A cause of the fire is still under investigation.”

Hopefully, they had business property insurance to fall back on. Business property insurance protects you from the damage natural disasters can cause by paying for any necessary repairs. What type of natural disasters, you ask? Here are some of the disasters (apart from fires) that business property insurance typically covers:

Severe Snowstorms

Heavy snowfall can be expected in Michigan at least four to eight times a year (excluding the last polar vortex). Snow can easily accumulate on the roof of your business and cause it to cave in.


Michigan doesn’t see hail as often as Texas or Illinois, but that doesn’t change the fact that hailstorms can beat your business into submission in a matter of minutes. Other property, such as inventory or business trucks, can also sustain heavy damage during hailstorms.

When you find your business suddenly interrupted because of a natural disaster, this becomes the time you feel lucking to have survived. Natural disaster can strike anytime and anyplace which is why you should review your property insurance to make sure you’re ready for anything Mother Nature can dish out.

Building a business can be very rewarding. However, natural disasters can destroy your business in the blink of an eye. Together we can make sure your protected so you don’t have to worry about Mother Nature’s wrath. By obtaining the right insurance policies from a trusted Michigan business insurance brokerage like Allied Insurance Managers, Inc., you significantly increase your business’ ability to stay standing after a natural disaster.

(Source: Fire destroys Keeler Keg & Kitchen in Hartford; WWMT News Channel 3; June 17, 2014)

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Allied Insurance Managers's Bio

Headquartered in Rochester Hills, Mich., Allied Insurance Managers is one of the largest, privately-owned, independent insurance agencies in Michigan.