Motor Vehicle

• Auto Insurance
  A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
• Motorcycle Insurance
  The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
• Boat Insurance
  Getting out on the water should be carefree, but owning and running a boat brings several financial risks. Watercraft insurance means you can stop worrying about those risks and get back to relaxing on your boat.
• RV Insurance
  RV insurance will often also include enhanced coverage for your personal possessions, meaning you can relax when taking those extra creature comforts and gadgets on a motorhome trip. Additionally, make sure to look for a camper insurance policy that covers theft as well as damage in a collision or fire.
• Snowmobile Insurance
  Your snowmobile is used for recreation, but that doesn’t mean that there aren’t any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.
• Mobile Home Insurance
  Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.
• Inland Marine Insurance
  Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.

Property

• Renters Insurance
  Use the yellow hot spots and explore how renters insurance can help protect against common risks.
• Home Insurance
  We have had nothing but great experiences using Rummel. We found exceptional auto and home insurance at an incredible rate for both. Customer care has been prompt. Thank you!
• Condo Insurance
  Use the yellow hot spots and explore how condo insurance can help protect against common risks.
• Landlord Insurance
  Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance, but is specially designed for your particular condo. It covers damage caused by theft, fire, severe wind, lightning strikes and frozen pipes. It’s important to note, however, that condo insurance does not usually cover flooding.

Health and Life

• Life Insurance
  It’s the last thing you want to think about, but it’s the first thing your family will wish you thought of when faced with an unexpected situation. Life insurance provides for the people who depend on you financially by replacing lost income, covering debts or final expenses, funding your child’s education, and much more.
• Health Insurance
  The single biggest gap for small and medium sized businesses is having expert resources in the area of Human Resources within their organization.  The Affordable Care Act – whether you offer health insurance or not – is increasing the number of compliance pieces required and Federal Regulators performing field audits of employers.  Just as we work for you on the insurance side of the house, we’ll work with you helping provide the level of HR your business needs.
• Disability Insurance
• Long Term Care
  Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

Business

• Business Insurance
  At Emil Rummel Insurance Agency, we understand what Michigan business owners have to do every day. We have been in business for over 65 years. We know that you cannot outrun your risk, but you can be ready for it. What if an ice storm causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right business insurance protection, you won’t have to. Our insurance professionals can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
• Commercial Property Insurance
  Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
• Workers Compensation Insurance
  Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.
• Commercial Liability Insurance
  A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
• Professional Liability Insurance
  While you can get standalone workers’ compensation policies, you can also often buy workers’ comp coverage as an add-on to other policies, such as a business owners policy (BOP), general liability insurance or professional liability insurance.
• Builders Risk Insurance
  Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.
• Restaurant Insurance
  Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

Personal

• Liability Insurance
  General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client).

Natural Disaster

• Flood Insurance
  The first is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.