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GENERAL LIABILITY

This coverage is for a business selling a product or a service with no property. This coverage covers accidental injuries, property damage, or libel/slander lawsuits that occurs as a result of your business operation or within the premises of your business.

Best For

  • Barbers/Cosmetologist without a salon

  • Caterers

  • Artisan Contractor/Subcontractors

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BUSINESS OWNER'S
POLICY

This coverage is for a business operating out of a leased space. This coverage will include general liability, business personal property and inland marine coverage in one policy.
 

Best For

  • Food Truck/Trailer Operators

  • Retail Stores/Coffee Shops

  • Any business operating from leased space

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WORKERS' COMPENSATION

This coverage is required by the state of Michigan if you have employees or 1099 subcontractors who do not carry their own proofs of insurance. It covers medical costs for work-related injuries or illnesses.

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COMMERCIAL PROPERTY

This is for a business owner who owns physical property with one or multiple locations. This coverage insures the value of the business owners’ physical building(s) and business personal property in the event of a loss due to covered perils like-fire, theft, explosion or other named perils.
 

Best For

  • Grocery Stores

  • Liquor/Convenience Stores

  • Real Estate Investors

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DIRECTORS & OFFICERS

This coverage is for non-profits or organizations with a board of directors and/or officers. It is intended to protect individuals from personal losses if they are sued as a result of serving as a director or officer of a business or other type of organization. The policy will cover the cost of the lawsuit, including legal defense fees.
 

 

May also come with Employment Practices Liability Insurance

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COMMERCIAL AUTO

This coverage covers vehicles title to your company. It also covers business owners who use their vehicles to carry tools, equipment or products for their business operations; as well as a business that transports their clients/employees or provide delivery or courier services. It does not cover personal vehicles. If your employees use their vehicles for your business operations, or you use a vehicle leased/rented by your business, you will need Hired/Non-Owned Autos coverage.

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The Family Agency that's All About Family

Cooper Irby Brewster Professional Services L.L.C., is a black-owned, woman-owned independent insurance agency founded in Detroit, Michigan in 2018. We specialize in providing insurance solutions for small business owners in Michigan.  With over 10 years of insurance experience, our staff is knowledgeable, responsive, services-oriented and friendly.

313.353.6442