Business insurance solutions

Protect your HVAC, electrical, plumbing, painting, or roofing business with essential coverages like general liability for on-site accidents, workers' compensation for employee injuries, and inland marine for your valuable tools and equipment. We also offer commercial auto and professional liability to safeguard your vehicles and work.

Protect your manufacturing business with essential coverages designed to address unique risks. Key policies include general liability for on-site accidents and product-related claims, and workers' compensation for employee injuries. We also offer specialized protection like inland marine to cover materials and finished goods in transit, and commercial property insurance to safeguard your building, equipment, and inventory.

In addition to our focus on working with service contractors and manufacturers, Redwood Insurance Solutions also provides a range of insurance products for other sectors.

Contact us to find out if we work with your industry and how we can help you protect and grow your business.

General liability insurance protects businesses from a wide range of common claims, including bodily injury, property damage, and personal and advertising injury. It helps cover legal costs, medical expenses, and settlements that may arise from accidents to others (not your employees) on your business property or due to your business operations. This essential coverage ensures your business can continue to operate and thrive even after an unexpected event.

Commercial auto insurance in Michigan is designed to protect your business against financial losses from accidents involving vehicles used for work, such as cars, trucks, or vans. This essential coverage helps pay for expenses like property damage, medical bills, and legal fees resulting from an accident. It is a crucial policy for any business that uses vehicles for operations, deliveries, or employee transportation, ensuring you're covered on Michigan roads.

Workers' compensation in Michigan provides medical and wage benefits to employees who are injured or become ill on the job. This coverage is mandatory for most employers in the state, including those with at least one employee working 35+ hours a week for 13 weeks or more, or three or more employees at any time. By securing a policy, you protect your business from potential lawsuits and ensure your employees receive the support they need to recover.

A Business Owner's Policy (BOP) combines key coverages like general liability, commercial property, and business income insurance into one convenient package. This bundled policy is often a cost-effective solution for Michigan small and medium-sized businesses, protecting them from a wide range of common risks, including lawsuits, property damage, and lost income from a covered event. By simplifying your insurance, a BOP allows you to focus on running your business with peace of mind.

In today's digital world, cyber insurance is a crucial form of protection for Michigan businesses. It helps cover the financial fallout from cyber incidents like data breaches, ransomware attacks, and phishing scams. A policy can cover costly expenses such as data recovery, legal fees, public relations, and notification costs required by Michigan law, helping your business recover quickly and protect its reputation.

Professional liability insurance, also known as errors and omissions (E&O) insurance, protects Michigan businesses that provide professional advice or services. It helps cover legal defense costs and damages from claims of professional negligence, mistakes, or inadequate work. This coverage is essential for professionals like consultants, accountants, and IT specialists, as well as service contractors like plumbers and electricians, as it shields them from financial loss if a professional error leads to a client's financial harm.