Hard work and dedication are the keys to running a successful business. Pioneer
State Mutual Insurance understands commercial businessí needs for insurance that
will protect that hard work. Therefore, each line of business is flexible to accommodate
a vast array of budgets and needs. Plus, with an A+ Superior rating for financial
stability from AM Best, business owners can be confident that Pioneer State Mutual
will be a viable company long into the future.
Pioneer State Mutualís 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:
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.
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
By choosing the Inland Marine option, business owners can insure specific items
that arenít 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 contractorsí equipment, boats, cameras, musical instruments,
fine arts, computer systems, business equipment, motor truck cargo, patterns and
dies, salesperson samples, signs, valuable records and more.
Theft, scams and fraud can happen to any company, whether itís 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
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.
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.
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 todayís 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.
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.