From service vans to company pickups, Michigan businesses rely on their vehicles. Compare commercial auto insurance with a Blue Peak advisor.
Looking for commercial auto insurance in Michigan? A commercial policy can protect the vehicles your business owns or uses. A Blue Peak advisor can help you compare coverage and limits.
Michigan businesses use vehicles in many ways, from local deliveries to job sites. We help you find coverage that matches yours.
A commercial auto policy protects vehicles used for business. Here are the main coverages.
Liability can help pay for injuries and property damage your business vehicles cause to others, including legal defense costs.
Physical damage coverage can help repair or replace business vehicles after a crash, theft, hail, or other covered loss.
This coverage can help with liability when employees drive rented vehicles or their own cars for business errands.
These coverages can help with injuries to your drivers and passengers, depending on the policy and state rules.
A licensed Blue Peak advisor can review your options and help you request a quote.
Michigan auto policies include no-fault PIP coverage, and bodily injury limits default to $250,000/$500,000 unless lower limits are chosen. Many businesses carry much higher limits. Here are other points to consider.
Michigan's no-fault system applies to business vehicles too. Ask an advisor how PIP and liability choices work for your fleet.
Snow and ice raise accident risk. Collision coverage can help repair vehicles after winter crashes.
Use these questions when you compare quotes or review your current policy:
The Michigan Department of Insurance and Financial Services (DIFS) licenses the insurers and agents that sell commercial auto insurance in Michigan. If you have a question about a claim or a company, DIFS's consumer services team can help, and you can confirm any agent's license on the Michigan Department of Insurance and Financial Services website.
Michigan winters bring heavy snow, ice dams and frozen pipes, summer storms can overwhelm sewers and flood basements, and Great Lakes shoreline erosion threatens lakefront property. Michigan businesses deal with winter driving, freight moving along I-75, I-94 and I-96, and manufacturing and auto-supply exposures across the state. Michigan is a no-fault state for personal vehicles, and commercial vehicles usually need higher limits.
Blue Peak works with businesses with work vehicles in Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor and Lansing, as well as smaller towns across Michigan. Our advisors compare options from multiple carriers and explain how Michigan rules apply to your commercial auto insurance before you decide.
Michigan auto policies include no-fault PIP coverage, and bodily injury limits default to $250,000/$500,000 unless lower limits are chosen. Business vehicles often need higher limits than the minimum.
They can, but their personal policies may not fully cover business use. Hired and non-owned auto coverage can help protect your business.
If vehicles are owned by your business or used mainly for business, a personal auto policy may not cover them. An advisor can review your situation.
Common factors include vehicle type, use, radius of operation, driver records, claims history, and coverage limits.
Personal policies may exclude or limit business use. Commercial coverage is usually needed for business vehicles.
Your vehicles help your business earn money. The right commercial auto policy helps protect them and your business if something goes wrong on the road.
Learn more about our commercial auto insurance options, or see our guide to business insurance in Michigan.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Michigan is regulated by the Michigan Department of Insurance and Financial Services (DIFS). DIFS licenses agents and insurers and handles insurance complaints in Michigan.
Before you buy any policy, you can confirm that an agent or agency holds an active Michigan license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Michigan.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
