Your business may need a wide variety of coverages to secure against losses and liabilities. Depending on the specifics and the industry of your business, you may need something tailored for you. We’re here to chat with you about your business, goals, risks, and opportunities to help get you and your business the best set of policies out there.

At Northern Capital Ins Agency Services we have the expertise and ability to place any of your commercial insurance needs. When we start any analysis we start with a platform of the 5 basic lines of coverage in our industry and from there we build out your program to fit your exposures and needs.  

Commercial Property

With a commercial property insurance policy tailored to your business you can make sure that your building and property are protected in the event of an accident or major financial loss. Our team can help you find a policy that meets your needs.

Commercial Auto

Commercial Auto whether it is MI specific or across the nation is a need we can handle for you. We will offer terms that cover casualty for bodily injury, property damage, uninsured motorist, underinsured motorist, no-fault, medical payments, hired liability, non-owned liability, and physical damage first party exposures as they are applicable to our customers.

Commercial Liability

Running a business can have risks associated with it, and you want to make sure you, your business, your employees, and your property are covered. We'll help you craft a policy that helps safeguard your business interests in case something happens.

Workers Comp

We understand the value of good employees and your business operations depend on them. If an accident should happen, the right Workers Compensation coverage can help make sure you and the employee are covered when a work-related accident happens.

Commercial Umbrella

The Umbrella Liability policy for your business can help cover excess amounts when your standard liability coverage is exhausted. It'll help protect your business against catastrophic losses.

Management Liability

Employment Practices Liability including Third Party
Fiduciary Liability
Directors & Officers Liability
Cyber Liability (First and Third Party)

Commercial Crime

Social Engineering
Employee Dishonesty
Computer Funds & Transfer Fraud
Forgery & Alteration
Theft of Money
Credit Card Fraud
…. And much more


Performance Bonds, Bid Bonds, Notary Bonds, Surety Bonds, ERISA Bonds, and more.

International Commercial Lines

We have full capabilities to cover your needs outside of the “coverage territory” which is the USA, US Territories, Puerto Rico, and Canada.

Inland Marine

Ocean Cargo, Builders Risk, Tools, Property in your Care, Custody, or Control, Property in Transit, and all fields for inland marine.

There is not a class of business that we cannot write.  It is simply a matter of who you choose to be your trusted advisor and who you will trust to keep your business in place after a catastrophic loss and who you can rely on for making sure your service needs are fulfilled from claims handling, certificates of insurance requests, loss control and risk management, or just simple day to day needs that we can handle for you.

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