About PCE Insurance Agency
What Sets Us Apart
Here at PCE Insurance Agency, we are family-owned and operated, all about serving our clients and focused on giving back to the community through involvement in local non-profits. Our goal is to always be prepared for the ever-changing future of the insurance industry so that we can help our clients get the most out of their policies. Because having the coverage that fits your specific needs is important to us.
As an award-winning independent agency, we make it a point to be there for our clients and bring them the comprehensive coverage that fits their unique needs. In addition to providing home, auto, life and business insurance, we also specialize in directors and officers liability, non-profit and individual health insurance solutions. No matter what insurance coverage you are looking for, we are here to help. Get in touch with us today for personalized service you can count on!
Awards We’ve Won
What Our Clients Say
Customer Service Is Our Focus
“Thanks so much for your great service! We were so pleased with your response time, and the way you made sure that the coverage we picked up was just right for us.”DanWyoming, MI
“We’ve been a client of PCE Insurance Agency for 6 years. I just wanted you to know we love your newsletters and really appreciate all the work you put into the community. See you at the Expo!”HeatherGrandville, MI
“We have never had a claim until last month when we were hit by an uninsured motorist and didn’t know what to do. Natalie was great, talking us through the process. The follow-up calls made an unnerving situation bearable. I’m so glad we got to work with you.”JackHudsonville, MI
“You guys have been great with your support of the Kids' Food Basket. I really appreciate your efforts. Your event sponsorship and donation of hand-drawn colored bags made our kids feel very special. Thanks for your continued help in feeding our kids. My family has been insured for 3 years with you. We’d never find this kind of community support with anyone selling insurance through an 800 number.”NancyWalker, MI
What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Often times, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.
Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.
General Liability Insurance
Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.
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.
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.
Workers' compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.
Commercial Property Insurance
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.
Commercial property insurance can help protect the property your business owns and 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.
Employment Practices Liability Insurance (EPLI)
On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. 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.
The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.
Business Income Insurance
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? 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.
Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.
Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.