Trusted coverage from Capitol Insurance Group in Lansing, Michigan.
Business Insurance
Overview
Whether you're a solo contractor, a restaurant owner, or running a 50-person office, Capitol Insurance Group designs commercial insurance programs that address your actual exposures — not a one-size-fits-all package off the shelf.
Our commercial lines manager, Marcus Johnson, has over 15 years of experience working with Lansing-area businesses. We understand the risks specific to Michigan industries and tailor every program accordingly.
Why Choose an Independent Agent
Business insurance is complex, and the wrong coverage can be catastrophic. An independent agent can access specialized markets, negotiate better terms, and build a layered program that a single-carrier agent simply can't match. We also provide ongoing risk management advice as your business grows.
Common Coverage Options
✓Business Owners Policy (BOP)
✓General Liability
✓Professional Liability / E&O
✓Workers' Compensation
✓Commercial Auto
✓Commercial Property
✓Cyber Liability
✓Inland Marine
Frequently Asked Questions
A BOP bundles general liability and commercial property coverage into a single, cost-effective policy. It's ideal for small to mid-sized businesses and often costs less than buying each coverage separately.
Michigan law requires workers' compensation for most employers with one or more employees. There are limited exceptions for certain agricultural and domestic workers. We can help you determine your obligations.
Cyber liability covers costs related to data breaches, ransomware attacks, and other cyber incidents — including notification costs, legal fees, credit monitoring, and business interruption. It's increasingly important for businesses of all sizes.
We start with a thorough review of your operations, contracts, assets, and industry-specific risks. Then we build a program using the carriers best suited to your class of business.