You’ve built your business with heart, hustle, and late nights—maybe even with a baby on your hip or a laptop in your lap during soccer practice. But what if one unexpected event could undo it all?
Too many women entrepreneurs in Southeast Michigan are building amazing businesses while unintentionally leaving themselves wide open to risk.
At Michigan Insurance Source Agency, we’ve seen firsthand how the wrong coverage—or worse, no coverage at all—can turn a dream into a disaster. And we’re here to make sure that doesn’t happen to you.
Let’s break down the most common insurance gaps we see among women-owned businesses—and how to fix them before they cost you everything.
⚠️ Gap #1: “I’m Too Small for Insurance”
Solo? Home-based? No employees? That’s exactly why you do need coverage. Small businesses often can’t absorb major financial hits, which makes insurance even more important—not less.
What to consider:
Start with a Business Owner’s Policy (BOP) that bundles general liability + property coverage at an affordable rate.
🧾 Gap #2: No Professional Liability Insurance
Consultants, coaches, marketers, designers—this one’s for you. If you offer advice or services, you could be sued if someone claims your work caused them financial harm.
What to consider:
Errors & Omissions (E&O) insurance protects you from costly legal claims—even if you did nothing wrong.
🏠 Gap #3: Assuming Homeowners Insurance Covers Your Business
Running a business out of your home? Your homeowners policy likely does not cover business equipment, client injuries, or product inventory.
What to consider:
Add home-based business coverage or get a standalone business policy to protect your equipment, inventory, and liability.
🚗 Gap #4: Using Your Personal Car for Business
If you use your car for deliveries, client meetings, or vendor pickups, your personal auto policy probably won’t cover an accident that happens “on the job.”
What to consider:
Commercial auto insurance is essential if you use a vehicle for any business-related tasks.
💻 Gap #5: No Cyber Liability Coverage
Online store? Email list? Cloud storage? Welcome to risk. Small businesses are now prime targets for cyberattacks—and most aren’t prepared.
What to consider:
Cyber liability insurance helps cover the costs of data breaches, hacks, and customer notification requirements.
👩💼 Why This Matters for Women Entrepreneurs
Women are leading a new wave of businesses across Macomb, Oakland, and Wayne counties—but they’re also more likely to self-fund, bootstrap, and deprioritize insurance.
We get it. Budgets are tight, and coverage can feel confusing. That’s why we make it simple, affordable, and built just for you.
Because protecting your business isn’t just smart—it’s essential.
Let’s Get You Covered—The Right Way
📞 Call us today at (586) 846-3133
🌐 Visit us at www.michiganinsurancesource.com
We’ll walk through what you actually need (no fluff, no pressure), and help you protect your dream without blowing your budget.
Your business deserves to be safe. Let’s make sure it is.
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