Planting Comprehensive Coverage Just for You.

General Liability provides coverage if a third party files a lawsuit against your company claiming negligence which caused property damage, bodily injury, personal injury, and/or advertising injury to them.

We can provide coverage to vehicles used for your business. You can choose coverage based on your individual business needs.

Workers’ Compensation provides medical, disability and loss of wages to an employee who is hurt on the job. It also protects your business if you are sued by an employee who was hurt on the job. Our preferred carrier, The Michigan Horticulture Industries Self-Insured Workers’ Compensation Fund (MHI Fund) was established in 1993 to control the long-term workers’ compensation costs for the members of MNLA. The MHI Fund is a member owned workers' compensation program designed to keep members' workers' compensation costs low, reliable, and predictable. Visit www.MHIFund.org to learn more.

Cyber Liability coverage, also called Data Breach Coverage, offers protection to the business in the case of a data breach in which the firm’s customers’ personal information is exposed or stolen. This can also provide coverage for stolen electronic devices such as laptops, tablets and cellular phones.

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Commercial Umbrella Coverage provides additional layers of liability in excess of the general liability, auto liability and workers’ compensation policy limits. It is activated when the limits of liability of the underlying policy are exhausted.

Coverage for you, the employer, for lawsuits an employee might bring against you. It would defend you and, if necessary, pay for damages related to acts, errors or omissions negligently committed — such as mistakes in the “administration” of your “employee benefits program.” Programs can include: Group life insurance, health, dental, vision, profit sharing plans, employee savings plans, unemployment insurance, Social Security benefits and workers’ compensation benefits.

Provides coverage for bodily injury or property damage to a third party caused by the application of herbicide and pesticide products.

Some jobs require that you purchase a bid bond or performance bond. A bond is debt security, under which the issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay them interest (the coupon) and/or to repay the principal at a later date, termed the maturity date. We have several carriers that offer full bonding options.

Mobile equipment can be covered under an inland marine “floater” policy. You are able to request the equipment be added at the actual cash value (ACV) or at replacement cost (RC).