Business Insurance in

Lapeer, Michigan

Local coverage for local businesses

Protect your work, your property, and your people.


Whether you run a family-owned shop in downtown Lapeer or manage a multi-vehicle landscaping crew, your business deserves protection that works as hard as you do. At The Lapeer Agency, we help businesses across Lapeer and the surrounding area build smart, personalized insurance policies. From liability protection to workers’ compensation and vehicles, we tailor everything to match your industry, size, and risks—so you’re covered now and ready to grow.

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Coverage built for Lapeer operations

Focused protection for trades, services, and storefronts.


We’ve been helping Lapeer-area businesses for nearly a century, so we understand the risks local owners face—from icy sidewalks to equipment damage and employee injuries. These policies form the foundation of protection for businesses like yours.

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Commercial Package Policy

Bundles property, liability, and business interruption coverage into one customizable plan.

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Commercial General Liability

Covers injuries or property damage caused by your business—on-site or at a customer location.

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Business Auto Insurance

Insures your company’s work trucks, vans, or delivery vehicles used around Lapeer and beyond.

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Workers’ Compensation

Required if you have employees in Michigan—covers medical care, lost wages, and return-to-work support.

Business insurance FAQs for Lapeer owners

Local answers for common business coverage questions.

These are the questions we hear most from small and mid-sized business owners across Lapeer, Metamora, and the greater Thumb region.

  • What types of business insurance are required in Michigan?

    Michigan law requires any business with employees to carry workers’ compensation. Depending on your industry, commercial auto or liability insurance may also be required by your clients or landlord. We’ll review your business structure and make sure you’re fully compliant—whether you’re operating a shop, trade service, or remote office in Lapeer.

  • How much does business insurance cost in Lapeer?

    The cost depends on your business type, size, number of employees, and coverage needs. We work with a range of businesses in Lapeer—from one-person contractors to multi-location retailers—to find policies that fit their budgets. By comparing carriers, we can often lower your premium while improving your coverage.

  • Can I insure equipment, tools, or stock?

    Yes. Equipment and business personal property can be covered under a commercial property or inland marine policy. Whether you’re storing tools in a garage or merchandise in a shop downtown, we’ll help make sure your investment is protected.

  • What’s the benefit of a Commercial Package Policy (CPP)?

    A CPP lets you bundle key coverages like property, liability, and business interruption into one policy—often at a lower rate. It’s a popular choice for Lapeer businesses with physical locations or multiple insurance needs.

  • Do I need liability coverage if I don’t have a storefront?

    Absolutely. If you interact with clients, perform services off-site, or manage customer data, you still face liability exposure. General liability coverage is essential for most businesses—even if you operate from home in Lapeer.