You’ve built your business and created a solution for your customers. We’re in the business of solutions too, and ours protect what you’ve built. In the event of a business loss, we are here to lessen the impact and make things right. Consider us a business partner that is onsite the moment you need us most. Our agents will carefully work with you to ensure you have the appropriate coverage for your business insurance needs.

Coverage options include:

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Business Owners

Protect what you’ve built. This policy safeguards you against unexpected financial losses beyond general liability claims such as workers’ compensation and both your business and personal properties.

General Liability

This coverage can protect you from a variety of claims, including bodily injury, property damage, personal injury and others that can arise from your business operations, including any completed operations exposures that may exist.

Commercial Property

Insure against damage to your building and contents due to a covered cause of loss, such as fire. The policy you choose may also cover loss of income or an increase in expenses having resulted from the property damage.

Professional Liability

If you are a service professional, this insurance policy —also referred to as Errors & Omissions Insurance — protects you in the event your client is harmed from a service or advice that you provide for which you are held legally liable.

Farm Owners

Farm owners insurance pairs property and liability coverage into a single policy and provides coverage for your house and barns, as well as your personal and commercial liability exposures.

Business Auto

Rest easy knowing our insurance professionals will help you decide on a plan that gives you great coverage at a competitive price.

Garage Liability

This insurance covers the legal liability of automobile, truck, truck-tractor, motorcycle, recreational vehicle and trailer dealers for claims of bodily injury and property damage arising from business operations.

Dealer’s Blanket Coverage

This insurance covers certain hazards of a garage enterprise. It is usually used in connection with the insuring of garage-owned cars for fire, theft, tornado, and collision coverages.


Workers’ Compensation

Required by law in the state of Michigan, workers’ compensation insurance can protect your business from being sued by employees for workplace conditions that can cause an injury or illness. In addition, this insurance ensures your employees are compensated if an injury or illness occurs.

Umbrella Liability

When accidents happen and your existing liability insurance policies don’t cover all of the expenses, this policy kicks in for ultimate protection. It picks up where your business auto liability, general liability or other liability coverage stops.


Also known as financial guarantee insurance, this guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer.

Builders Risk

This coverage protects your insurable interest in materials, fixtures, and equipment being used in the construction or renovation of a building or structure, should those items sustain physical loss or damage from a covered cause.

Inland Marine

This is insurance for property that is in transit over land, is moveable or is an instrument of transportation such as a bridge, road or pier.

Insurance products offered by United Bank Insurance Agency ARE NOT deposits of United Bank, ARE NOT insured by the FDIC or any other federal government agency, and ARE NOT guaranteed by the bank.