Business Insurance

Business Insurance Experts in Farmington Hills, Michigan


Business - Wolf-Chandler Agency, LLC - biz2

Keeping Business Insurance Affordable and Thorough

At Wolf-Chandler Agency, LLC, we pride ourselves in evaluating your business insurance needs. We take the time to find out the different challenges your industry may have for insurance concerns, and then tailor a package that fits your risks.

We also look at other exposures your business may have according to your personnel, location and future plans. Your price gets even better if you qualify for any of our available discounts.

Our top-rated companies work with local businesses as well as global providers to ensure even the worst disaster won't affect your business adversely. We design a specialized package according to your property, liability and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Our business insurance services include:

  • Business Owners Policy (BOP)
  • Commercial Auto
  • Bonds
  • Surety
  • Fidelity
  • Commercial Building Property
  • Apartment Building Owners
  • Condominium Association Owners
  • Retail Stores
  • Store & Lock Centers
  • Church Insurance
  • Aircraft
  • Builders Risk
  • Nursing Homes
  • Pressure Vessel
  • Professional Liability Insurance
  • Directors & Officers
  • Medical Professional
  • Liquor Liability
  • Cyber Liability
  • Landscapers
  • Pollution Liability
  • Foreign Liability
  • Painters
  • Business Overhead
  • Inland Marine
  • Staff Leasing
  • Crime
  • Equipment Floater
  • Buy/Sell Funding
  • Special Event
  • General Liability
  • Contractors
  • Plumbers
  • Property Managers & Owners
  • Electricians
  • Workers Compensation
  • Group Health
  • EPLI - Employment Practices Liability Insurance
  • Employee Benefits
  • Hotel Insurance
  • Manufacturing
  • Waterworks Industry
  • Ocean Marine
  • Restaurants
  • Wind
  • Woodworkers Insurance
  • Boiler Machinery
  • Errors and Omissions
  • Tailored Packages for Strip Centers
  • Service & Repair Insurance
  • Garage Keepers
  • Auto Body Shops
  • General Repair Shops

Professional Liability Insurance Solutions

Professional Liability Insurance, or PLI, is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and can be catastrophic if the claim results in monetary damages.

At Wolf-Chandler Agency, LLC we have the experience and expertise needed to evaluate the risks associated with your service or consultative-related business or profession. Our experts can advise and provide appropriate coverage through one of our highly rated insurance companies.

Professional liability can take on different forms or names. Some of the types of coverage included are:

  • Cyber Liability
  • Foreign Liability
  • Liquor Liability
  • Pollution Liability
  • Errors & Omissions

Professional liability Insurance covers potential losses that are not typically covered by a general liability policy. Some of the businesses/professionals we help are:

  • Insurance Agents
  • Consultants
  • Brokers
  • Lawyers
  • Engineers
  • Accountants
  • Medical Professionals

See How a Data Breach Can Affect Your Business


Business Auto Insurance

Commercial auto insurance insures your vehicles for physical damage and liability coverages when the amounts, situations and usage are not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at Wolf-Chandler Agency, LLC will help you find the best coverage fit for you.

See How Business Auto Insurance Can Benefit You

Why Do You Need Michigan Commercial Auto Insurance?

  • In general, if an auto is used in tasks related to the operator's occupation, profession or business (other than commuting), a commercial policy is necessary.
  • If you are using your auto to transport goods or people for a fee, or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
  • Hauling a considerable weight in tools or equipment, or towing a trailer used to conduct your business, may require a commercial auto insurance policy.
  • A commercial insurance policy may be needed if additional employees operate the vehicle or if ownership is in the name of a corporation or partnership.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance, like your personal auto policy, provides similar coverages, such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to Michigan businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions and limits.

Most commercial auto policies are "named-driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.

What are the coverages?

Bodily Injury Liability Coverage

Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

Property Damage Liability Coverage

Provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.

Combined Single Limit (CSL)

Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence, whether it be from bodily injury or property damage.

Medical Payments, “No-Fault” or Personal Injury Coverage

Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

Uninsured Motorist Coverage

Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

Comprehensive Physical Damage Coverage

Pays for damage to, or replacement of, your car from theft, vandalism, flood, fire and other covered perils.

Collision Coverage

Pays for damage to your car when it hits, or is hit by, another object.

Give us a call today and let one of our experienced agents evaluate the liability risks unique to your business or profession!


We want you to have a positive overall experience with Wolf-Chandler Agency, LLC. Our one-on-one service approach is our #1 goal for all our insurance clients. Give us a call at (248) 952-9500 or contact us through our easy-to-use form and we'll be happy to answer any of your insurance questions.

Talk to Someone Who Cares. Talk to a Wolf-Chandler Agent: (248) 952-9500