Industry insurance programs for Michigan businesses

What is a commercial insurance program?

A commercial insurance program is a package of coverages designed for one industry, such as healthcare facilities or auto dealers, and underwritten by carriers that specialize in that industry. Because the carrier already understands how those businesses operate, the forms address exposures a generic policy can miss. The program is the starting point. Limits, endorsements and add-on coverages are then tailored to your operations.

Which industries do Conner Insurance Group’s programs cover?

Our programs serve aerospace and defense suppliers, advanced manufacturers, specialty contractors, healthcare and senior living organizations, and garage and automotive businesses. Each program is built around how that industry actually loses money: aviation products and grounding exposure for aerospace, equipment breakdown and recall for manufacturers, contract and underground risk for HVAC, directional boring and IT contractors, facility liability for healthcare, and garage operations for automotive. Cyber liability can be added to any program.

• Aerospace & Defense — Aviation products, grounding, hangarkeepers, recall and CMMC for the flight supply chain
• Advanced Manufacturing — Equipment breakdown, business income, recall and pollution for production operations
• Contractors — Large HVAC, directional boring and IT contractors, built around your contracts
• Healthcare & Senior Living — Skilled nursing, assisted living, CCRCs, outpatient, home health and managed care
• Garage & Auto Services — Dealerships, service and repair shops, parts sellers, car washes and detailers
• Cyber Liability — Breach response and liability for businesses that hold customer or patient data

Why use an industry program instead of a standard business policy?

When the agent and the carrier both understand how you do business, coverage tends to fit better. Industry programs are built around the exposures your business faces every day, such as customer vehicles in your care or residents who depend on your staff. A standard business policy may exclude or underinsure those exposures, leaving gaps you discover only after a loss.

What if my industry is not listed?

Most businesses are well served by our core commercial coverages: general liability, commercial property, commercial auto, workers’ compensation and a commercial umbrella. We combine them into a package that fits your operations, and add specialty coverages such as professional liability, cyber or bonds where your work calls for them. Tell us what you do and we can talk through structures that may fit.

• Michigan Business Insurance — All of our core commercial coverages