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Michigan Farm Bureau Family of Companies

Commercial Insurance

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Protecting Your Business From Financial Risk

When you’re busy with the day-to-day operations of running your business, the last thing you want to think about is whether you have proper insurance coverage. With a Commercial Insurance policy from Farm Bureau Insurance, you don’t have to. We bundle basic insurance coverage – like property and liability – along with anything else you might need, to keep your small business protected from financial damages.

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Get a Quote

You shouldn’t have to think about whether your business is safe from an unforeseen incident. That’s what we’re here for – request a quote today.


Your business is unique and it requires an insurance policy that’s specialized to your needs. No matter what industry you’re in or the size of your operation, we can keep you financially protected from costly damages and claims against your business.

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To ensure your company is covered, commercial insurance can be layered for additional protection. Your policy can combine standard liability and property protection with extra coverages unique to your business. Your agent will help determine which package is right for you. 

Businessowners Policy

A Businessowners policy (BOP) packages general liability, property, and business income coverages so you can safeguard your small business from the most common insurance risks you might encounter.

Commercial Package Policy

Get standard business insurance plus more protection with extra coverages, unique to your business’s needs, in one convenient package. 

Commercial Umbrella

Commercial Umbrella provides additional protection to you and your assets when your liability exceeds the limits in your existing insurance policies.  

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Depending on your line of work, there may be other financial risks you’ll need protection against. Our agents are experts in assessing risk and helping you create a specialized policy, with the right amount of limits, for your growing business. 

Our Businessowner and Commercial Package policies provide Protector endorsements which pre-bundle coverages customized for your specific needs. We understand your operation is unique and have coverages to help you protect it.


We offer commercial products designed for risks with unique exposures to agriculture-related businesses, like dairy products manufacturing and produce handlers, requiring niche-specific protection. 


This coverage protects from business-related crimes that may not be covered by commercial property insurance. Coverage includes instances such as employee fraud, theft, or burglary. 

Cyber Liability

Cyber Liability protects against data breaches of private customer information. Businesses who utilize data such as credit card information, personal health records or Social Security numbers should consider this coverage.

Inland Marine

Inland Marine helps cover your products and property when they are in transit, such as by a truck or train, and not at a fixed location. 

Loss Control

Protect your business against loss before it happens. Loss Control services help implement management systems within your operations to identify and mitigate risks to people and your property.  

Professional Liability

If your business offers professional services or advice, this coverage protects against claims made from clients. Claims are often made as a result of mistakes or negligence caused by your company.

Ways to Save

Farm Bureau Insurance offers multiple ways to save on your commercial policies, like multi-policy discounts. Contact your Farm Bureau insurance agent to learn how we can save you money on monthly premiums.

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Frequently Asked Questions