Businesses with employees, no matter how small the enterprise, may be required by law to have certain types of insurance including unemployment insurance, workers compensation insurance, and even disability insurance. The type of small business you run will dictate the type and number of insurance policies you need. A few types of policies are common for many businesses, but before you buy into one, make sure to consult with a Michigan business insurance agent about your specific situation.
http://www.alliedinsmgr.com/business-insurance-in-michigan-small-business-insurance-must-haves/
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