Mourer Foster Bonds & Insurance

Serving Michigan and beyond for over 86 years.

Mourer Foster, Inc. has been offering full-service specialty insurance services since 1933.

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Our Insurance Solutions for all 50 States

Mourer Foster Inc. offers business insurance, specialty risk insurance, personal insurance and employee benefits.

Business Insurance

Specialty Risk Insurance

Personal Insurance

Employee Benefits

Outside of Building

Mourer Foster Inc. – 86 years of providing insurance solutions

Mourer Foster, Inc. has been offering full-service specialty insurance services since 1933. Located in Lansing, Michigan, we provide insurance solutions to our neighbors, as well as throughout all 50 states.

We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As your insurance advisor, we help you make smart decisions—protecting you from the unexpected and planning for the predictable.

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Our Bragging Rights

For the fifth consecutive year, Mourer Foster Inc. has been the recipient of the Surety Crystal Blue Award from UFG, which recognizes extraordinary contributions in surety premium. We are the only independent agency in Michigan to achieve this award.

We have also received awards from Fremont, Hartford, Bituminous and Westfield.

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Mourer - Foster Award

Reviews from Clients Who Chose Our Independent Insurance Agency

Love this insurance team! I’ve been with them for years and will continue to do so.

Kara

Greg Beaton has been awesome. Anytime I’ve had questions he is quick to respond and knowledgeable. It gives me peace of mind having decided to use KennelPro to insure my dog-walking business. The policy is comprehensive and I’m so glad I found you guys!

HollyJust Fur Fun

Dog training is a very niche market. It was frustrating as I was requesting quotes because many companies I spoke with had NO idea how to answer the questions I was asking related to dog training. Greg was phenomenal in going through the coverage step by step and answering all of my questions. I’m new to this business and it was great to have someone representing a company that has our best interests in mind when providing coverage.

JenniferPawsitive Change K9 Training & Consulting

Linda is always super fast to help and Greg stepped in to do the same while Linda was away. You guys are always so helpful and we appreciate it!

The Marvelous Mutts
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Business

Business Owners Policy (BOP)

Risk Factor

As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?

Solution

A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.

Errors and Omissions Liability (E&O)

Risk Factor

If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.

Solution

Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

Directors and Officers Liability Insurance (D&O)

Risk Factor

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Solution

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Environmental Insurance

Risk Factor

Could your business cause damage to the environment? If so, are you covered?

Solution

Environmental insurance provides protection if an environmental catastrophe occurs.

Systems Breakdown

Risk Factor

With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.

Solution

Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.

Workers' Compensation and State Disability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Business Auto Insurance

Risk Factor

An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Cyber Liability

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.

Business Income

Risk Factor

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Business InsurancePersonal InsuranceEmployee Benefits

Lansing, MI Office

615 North Capitol Avenue
Lansing, MI 48933

We write insurance throughout Michigan and in all 50 states.

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