Protect Your Business With Local Expertise and Trusted Commercial Coverage
Your business represents years of hard work, dedication, and investment. Protecting it requires more than a one-size-fits-all policy. At the Rich Merso Insurance Agency, we provide tailored business insurance solutions backed by Farmers® Insurance and strengthened by decades of local business experience.
Our focus is clear: premium, dependable commercial protection delivered with honest, budget-conscious guidance for Michigan businesses.
Contact UsWhy Business Insurance Matters in Michigan
Every Michigan business, large or small, faces daily risks. The right insurance helps protect your operations from:
- Customer injuries or property damage
- Employee accidents
- Fire, theft, and weather damage
- Equipment breakdowns
- Cyber incidents
- Lawsuits or legal liability
- Vehicle accidents involving company cars
- Loss of income after a covered event
We evaluate your operations, exposures, and goals to build a policy that fits your specific needs — not someone else’s template.
Commercial Insurance Coverage Options
We offer flexible, customizable protection for businesses at every stage.
General Liability Insurance
Protection if your business is responsible for injury or property damage.
Business Property Insurance
Covers buildings, equipment, tools, inventory, furniture, and valuables.
Business Owners Policy (BOP)
A cost-efficient package combining liability + property coverage in one policy.
Workers' Compensation Insurance
Helps cover medical costs and lost wages for employees injured on the job.
Commercial Auto Insurance
Coverage for business-owned vehicles, company fleets, and employees on the road.
Professional Liability (E&O)
Protection for service-based businesses against errors, negligence, or service failures.
Cyber Liability Coverage
Safeguards your business from data breaches, cyberattacks, and online risks.
Additional Commercial Options
Equipment breakdown, Inland marine coverage, Business interruption insurance, Employment practices liability, Contractor-specific coverages.
Rich helps you choose the options that match your operations, industry, and budget.
Why Michigan Business Owners Choose the Merso Agency
Local Experience + Real Business Understanding
Rich spent over 20 years in industrial electrical sales and account management. He knows the challenges Michigan businesses face every day.
Tailored, Honest Recommendations
No generic policies. No unnecessary add-ons. Just clear, customized coverage.
Premium Service With Budget-Conscious Options
We help you secure strong, dependable coverage without overspending.
Responsive Local Support
When you have a question or need help with a claim, you speak with a real person who knows your business.
Serving All of Michigan
From Midland and Auburn to Saginaw, Bay City, Freeland, and the entire state — we protect Michigan businesses statewide.
Savings & Discounts for Business Owners
We help identify cost-saving opportunities, such as:
- Multi-policy business bundles
- Commercial auto + liability packages
- Discounts for safety programs
- Responsible payer discounts
- Claim-free business discounts
- Industry-specific savings
We'll walk you through ways to protect your business while maximizing value.
Industries We Serve
We support a wide range of Michigan businesses, including:
- Contractors & trades (electricians, plumbers, HVAC, builders)
- Retail shops & storefronts
- Professional services
- Home-based businesses
- Automotive services
- Restaurants and food services
- Real estate professionals
- Consultants & freelancers
- Small manufacturers
- Local service providers
Whether you're running a start-up or managing a long-standing local business, we help ensure you stay protected.
Get a Personalized Business Insurance Consultation
Whether you're launching a new venture or reviewing your existing coverage, we make commercial insurance clear, simple, and tailored to you.
Protect your business with a local, trusted Michigan Farmers® Commercial Insurance agent committed to your long-term success.