How should a seasonal business handle business interruption coverage?

Carefully. If most of your revenue arrives in a few months, a shutdown in July is a completely different financial event than the same shutdown in February. The coverage should be built around when you actually earn, and that is a conversation worth having in person.

Is boating at the Straits covered by a normal boat policy?

Not always. Great Lakes and Straits use is a specific underwriting question, and some policies set navigational limits that stop well short of it. Tell us where you run and we will check the language.

Do you write both Cheboygan and Emmet county property?

Yes. Mackinaw City is split between the two counties and we write throughout both.

Insurance in Mackinaw City, Michigan.

At the Straits, where the season is short and busy.

A rocky freshwater shoreline at blue hour, a lighthouse catching the last light and a ferry heading out

Mackinaw City sits at the top of the Lower Peninsula, divided between Cheboygan and Emmet counties, at the southern end of the Mackinac Bridge. It is one of Michigan’s busiest tourist destinations and the main ferry departure point for Mackinac Island.

That makes it an unusual commercial market. A large share of the businesses here earn most of their year in a handful of summer months, which changes how business interruption coverage should be built and how property values swing between seasons.

On the water side, this is the Straits: Lake Michigan meeting Lake Huron, with the current and conditions that come with it. Boat coverage written for a quiet inland lake is not the same product.

What we write most in Mackinaw City.

Seasonal businesses, lodging and retail
Homes and seasonal residences
Boats on Straits and Great Lakes water
Commercial property and business interruption

North of our office in Indian River up Straits Highway and I-75.

Coverage for Mackinaw City

Everything else we write

Mackinaw City questions.

How should a seasonal business handle business interruption coverage?: Carefully. If most of your revenue arrives in a few months, a shutdown in July is a completely different financial event than the same shutdown in February. The coverage should be built around when you actually earn, and that is a conversation worth having in person.
Is boating at the Straits covered by a normal boat policy?: Not always. Great Lakes and Straits use is a specific underwriting question, and some policies set navigational limits that stop well short of it. Tell us where you run and we will check the language.
Do you write both Cheboygan and Emmet county property?: Yes. Mackinaw City is split between the two counties and we write throughout both.

Nearby towns we write