Pioneer State Mutual’s claims staff and independent agency force are comprised of local, Michigan residents who work to ensure that all issues are handled quickly and efficiently to keep your business running smoothly. We understand the need to protect a business' assets, and therefore some highlights of our coverage options include the following:

• Property

  This insurance allows you to protect your business property and equipment. It covers buildings, business personal property, signs, electronic data, interruption of computer operations, debris removal, valuable records and other personal and business belongings.

  
  

• Liability

  A business that provides goods and services is open to a vast array of liability exposures from the public, vendors and others. This insurance offers coverage for certain physical damage and/or bodily injury legal risks that business owners often face.

  
  

• Inland Marine

  By choosing the Inland Marine option, business owners can insure specific items that aren’t covered in the basic property coverage, can provide broader coverage for certain valuables, and/or can increase coverage limits. This option can be used for assets such as contractors’ equipment, boats, cameras, musical instruments, fine arts, computer systems, business equipment, motor truck cargo, patterns and dies, salesperson samples, signs, valuable records and more.

  
  

• Employee Dishonesty/Crime

  Theft, scams and fraud can happen to any company, whether it’s by an outside criminal or an employee. The Pioneer Commercial Crime insurance protects against loss from crimes such as employee theft, forgery/alteration, robbery/safe burglary, fraud and more.

  
  

• Commercial Auto

  Whether a business owns a single auto or a fleet, Michigan law requires all vehicles to have proper insurance. Much like Personal Auto Insurance, the Commercial Auto Insurance covers against physical damage and/or liability caused by an accident.

  
  

• Workers’ Compensation

  This insurance is designed to protect employers if an employee is seriously, critically or fatally injured or becomes ill at work. Coverage includes payment for reasonable expenses, premiums for related bonds, interests on a judgment, litigation costs taxed against the insured, and expenses we incur.

  
  

• Commercial Umbrella

  The Commercial Umbrella goes beyond general commercial liability to offer more comprehensive coverages and higher limits. Under this insurance, Pioneer State Mutual pays for damages such as those for which you are liable due to a lawsuit, care and loss of services, bodily injury to an employee, premium for related bonds, litigation costs taxed against you, interests on judgments, expenses we incur and more.

  
  

• Employment Practices Liability (EPL)

  In today’s workplace, small business owners must protect themselves from employment claims such as discrimination, wrongful termination and harassment. EPL insurance from Pioneer State Mutual pays for liability damages and defense costs due to these charges brought by full-time,
  part-time, temporary or seasonal employees. This coverage can also be extended to include claims from venders, customers and job applicants.

  
  

• Equipment Breakdown

  With our industry-leading Equipment Breakdown coverage and services, we help keep your business one step ahead. Our coverage protects a wide array of pressure, electrical and mechanical equipment against sudden and accidental damage caused by electrical arching, short circuits, other electrical disturbances and mechanical breakdowns.

  
  

Note: The above lists of coverage options may vary based upon your specific requirements. For complete coverage information and/or for a quote, contact one of our Independent Insurance Agents