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EW Smith Agency Works to Protect Your Business and Your Employees in Shelby Township, Wyandotte, Flat Rock, Trenton, Sterling Heights and Surrounding Areas in Michigan
As an independent agency we can usually find a program to fit your needs. We represent some of the largest Regional Michigan carriers as well as National and Specialty markets. This helps us explore the best program for coverage and price to suite your business needs.
In today's society, there are many different types of property needs; Building, personal property, business contents, equipment, computers, business phone systems, stock and inventory, property of others in your care, and many others that could be unique to your business. Each risk poses a different need and sometimes something special. At E.W. Smith our agents
will meet with you to review your business and discuss what options are there for you. We then approach our markets to see who can provide the best program to fit your needs.
Unfortunately for every business risk, the chances of getting sued have dramatically increased over the last decade. General liability coverage can prevent a legal suite from being a financial or business ending issue. General liability pays losses arising from real or alleged bodily injury, property damage and personal injury from your operations. It also will provide the legal defense in alleged situations. While there are many aspects of liability needs, there are many others that you may not be aware of cyber liability and date breach are being just as important as slips and falls. Our agents
will discuss the various exposures that could be facing your business.
Coverage's for the cars you use in your business versus your personal needs are different. Our agents will discuss what you need to protect your business as well as protecting your personal needs. There are times when you need a commercial auto policy instead of thinking your personal auto policy is providing your complete protections. Who is driving your auto will also affect the policy as well as radius of operation and specific use. There are areas our agents will discuss so you can get the best protection at a competitive price.
Who is and who is not an employee is becoming the Workers Compensation question of the 20th Century. Whether you pay with a W2 or a 1099 is very important to today's carriers. This information needs to be resolved prior to issuing your policy so that you do not get involved in an audit which could cripple or close your business. There are times you need coverage and may not be aware that it is necessary. Michigan is cracking down on businesses that do not carry this coverage but need to. Heavy fines are being asset. Our agents will work with you to provide the best program to fit your need.
Insurance is an important factor in having a successful business. Our Agents will work with you to put together a program to help you grow and protect your business. Our agents are involved with not only writing that first policy but also as you change and develop through the years. We are available to discuss your policies whenever the need. You will not have a "call center" or someone new every time you call. Our agents will be there for you.