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Commercial Auto Insurance in Michigan

Michigan law requires registered vehicles to maintain security for personal protection, property protection, and residual liability coverage. DIFS says some lower PIP medical options require documented health-coverage eligibility; an ineligible or undocumented choice can leave the policy at its default benefit level. 2,1

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Michigan Requirements

RequirementDetails
Michigan auto policy componentsPIP, property protection insurance, and residual BI/PD liability 1,2
Lowest BI/PD selection$50,000/$100,000 bodily injury and $10,000 property damage in another state is the lowest BI/PD selection; $250,000/$500,000/$10,000 is the default 1

What to Watch for in Michigan

  • Separate Michigan’s Three Required Coverage Parts

    DIFS lists PIP, property-protection insurance, and residual BI/PD liability as required in a Michigan auto policy. Ask the agent to identify each part on the commercial declarations and explain any policy-specific exception. 1

  • PIP Medical Selection Requires Eligibility Documents

    DIFS says lower PIP medical options require qualifying health coverage and supporting documents for the named insured and, for some choices, household members. Keep the eligibility letter with the PIP selection. The agency lists a $6,579 QHC deductible threshold for July 1, 2026 through June 30, 2027. 1

  • The Lowest BI/PD Selection Is Not The Default

    DIFS lists $50,000/$100,000/$10,000 as the lowest available BI/PD selection and $250,000/$500,000/$10,000 as the default. Confirm the written selection rather than assuming the policy uses the lowest or your intended limit. 1

  • Michigan PPI Does Not Cover Every Vehicle Damage Claim

    DIFS describes PPI as third-party property protection, with a $1 million limit. MCL 500.3123 excludes highway vehicles and their contents unless the vehicle was parked without creating the unreasonable risk of the damage; ask separately about physical damage protection for your own fleet. 1,2

Who Regulates Insurance in Michigan

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 6,7,8

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Michigan. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14

Questions to Ask Before You Buy in Michigan

  1. Which PIP medical option appears on the policy and what documentation supports it?
  2. Does the policy use the selected BI/PD limit or the $250,000/$500,000 default?
  3. Does PPI address only qualifying property damage, and do we need collision for our units?

Commercial Auto in Michigan: FAQ

What coverages are required on a Michigan auto policy? 1

DIFS lists personal injury protection, property protection, and residual bodily-injury/property-damage liability as the three required Michigan policy parts. Ask the agent to show each on the commercial declarations and explain how a fleet-specific form handles them. 1

What proof is needed to select a lower Michigan PIP medical amount? 1

DIFS says certain choices require proof that the named insured or household members qualify through Medicare, Medicaid, or qualified health coverage. Missing proof or ineligibility can leave the policy at its default PIP level. 1

Commercial Auto in Other States

Other Coverage in Michigan

Sources

  1. Frequently Asked Questions. Michigan Department of Insurance and Financial Services; Required coverages, PIP options and eligibility documents, defaults, PPI; current QHC deductible $6,579 for 2026-07-01 through 2027-06-30. Accessed 2026-09-28.
  2. Michigan Compiled Laws, Chapter 31 (MCL 500.3101–500.3179), complete through PA 103 of 2026. Michigan Legislature; MCL 500.3101: registered-vehicle security for PIP, PPI and residual liability; §§500.3121 and 500.3123: PPI scope, $1,000,000 cap, parked-vehicle exception; current PDF rendered 2026-09-27. Accessed 2026-09-28.
  3. Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
  4. Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
  6. Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
  7. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
  8. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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