Best Small Business Insurance in Michigan

NEXT ranks first in Michigan for business insurance with an overall score of 4.62 out of 5, averaging $95 monthly across four essential coverage types. The insurer excels through its 24/7 digital platform and same-day coverage, making it best for Michigan businesses who value instant quotes and online policy management over in-person agent support.

NEXT's $95 monthly average ($1,137 annually) saves Michigan businesses money on workers' compensation and professional liability, where it offers the state's lowest and second-lowest rates respectively. General liability costs $98 monthly (matching Michigan's average) while its business owner's policy runs $148 monthly, exceeding the state's $140 average and ranking eighth among competitors.

NEXT leads Michigan providers with a 4.45 customer experience score, ranking first nationally for digital experience and offering 24/7 certificate generation through its mobile app. However, its claims processing score ranks fourth, suggesting you may experience slower resolutions for complex claims compared to competitors with stronger claims departments.

NEXT provides $1 million aggregate limits that meet most contract and lease requirements, with policies covering Michigan's trade and field-based businesses including contractors, consultants and service providers. Its digital platform delivers instant policy customization and same-day coverage for straightforward needs, though businesses facing complex coverage decisions benefit from providers offering direct agent consultation.

The Hartford ranks second in Michigan with a 4.61 overall score, combining the state's lowest rates at $79 monthly with an A+ AM Best financial stability rating. Established in 1810, it delivers top-ranked claims processing and customer service, making it best for Michigan businesses who prioritize proven reliability and cost savings over progressive digital tools.

The Hartford leads Michigan in affordability at $79 monthly ($951 annually), offering the state's lowest rates across three major coverage types: business owner's policies at $107 monthly (vs. $140 state average), general liability at $77 monthly (vs. $98 average) and professional liability at $67 monthly (vs. $73 average). Workers' compensation costs $65 monthly, ranking second statewide and closely matching Michigan's $70 average.

The Hartford ranks second nationally for customer experience, earning first place for both claims processing and customer service, which means faster claim resolutions and responsive support when problems arise. However, its digital experience ranks tenth, so business owners who prefer managing policies primarily through mobile apps may find the online tools less intuitive than competitors.

The Hartford protects against employee lawsuits with employment practices liability coverage and serves businesses operating across state lines through international policies, earning a third-place ranking for coverage breadth in Michigan. Its general liability, workers' compensation and business owner's policies cover the state's contractors, field service teams and professional services firms, though specialized industries may need to verify availability before purchasing.

Simply Business ranks third in Michigan, operating as a digital marketplace that compares quotes from over 20 carriers to find competitive rates averaging $92 monthly. Its platform excels at matching businesses to specialized coverage from multiple insurers, making it best for Michigan businesses who want to compare options from several providers in one place rather than contacting each company separately.

Simply Business averages $92 monthly ($1,099 annually) with strong pricing on general liability at $91 monthly, saving you $7 compared to Michigan's $98 average (ranking second statewide). Business owner's policies cost $136 monthly (vs. $140 state average), while professional liability runs $73 monthly and workers' compensation costs $67 monthly, both closely matching state averages and ranking competitively among Michigan providers.

Simply Business ranks seventh nationally with a strong third-place digital experience that delivers efficient online quote comparisons and straightforward policy management. However, its claims processing ranks eighth, meaning you may experience slower resolutions since you're working through a broker rather than directly with the carrier handling your claim.

Simply Business leads Michigan in coverage breadth, partnering with major carriers like Travelers and CNA to offer general liability, professional liability, workers' compensation and business owner's policies for over 1,000 business types. Its marketplace covers Michigan's contractors, consultants, service businesses and emerging sectors like e-commerce, connecting you to specialized coverage options that single-carrier platforms may not provide.