Commercial insurance for Michigan businesses and property owners.
An independent Michigan agency built around apartment and commercial property owners, restaurants and bars, contractors, auto repair shops, hospitality, retail and manufacturing.
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- Independent placement across 40+ carriers, including specialty and excess markets.
- Liquor liability and assault & battery coverage for restaurants, bars and event venues.
- Single sites and multi-location programs, handled by the principal agent.
Get your business insurance quote
New business or reviewing what you already carry — we reply within one business day.
Commercial insurance for Michigan businesses and property owners.
Apartment and multifamily properties, restaurants and bars, contractors, and auto repair shops — these are the accounts we work on every day, whether you're starting a new policy or reviewing an existing one before renewal.
Restaurants & Bars
Our core niche. Liquor liability, assault & battery, spoilage, equipment breakdown, business income and workers' compensation for Michigan restaurants, bars, nightclubs and restaurant groups.
Michigan restaurant insurance →
Apartment and mixed-use owners. Property, liability, loss of rents.
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Contractors & Trades
General liability, workers' comp, tools, certificates for bids.
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Repair shops and service centers. Garage exposure.
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Hospitality & Events
Hotels, banquet halls, wedding and event venues, catering.
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Master programs, per-location certificates, one renewal date.
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Retail & Liquor Stores
Storefronts, grocery and package liquor. Stock, crime, cyber.
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Commercial Auto & Fleets
Delivery vehicles, box trucks, tractors, hired and non-owned.
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Product liability, equipment, business income and fleet exposure.
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Business owners policy, cyber and workers' comp for the practice.
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Professional liability, cyber and business insurance for firms.
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Coverage reviews for Michigan employers, including payroll, employee classifications, and renewal options.
Explore workers’ compensation → Not listed here?The underwriting question is the exposure, not the label. Tell us what you do.
Start a conversation →Specialist placement, then someone who stays on the file.
Six things a business owner should expect from a commercial agent. They are the whole basis of how this agency runs.
Specialized underwriting knowledge
Hospitality, liquor, property and fleet risks are read differently than an office. We build the submission the way the underwriter reads it, which decides whether you get a competitive offer at all.
Market access
Independent access to 40+ carriers, including specialty and excess markets. When a carrier's appetite changes, we move the account instead of defending the increase.
Coverage-gap analysis
We read the forms you already have and tell you what is excluded — spoilage, assault & battery, hired and non-owned auto, business income limits that will not carry a full shutdown.
Principal-agent accountability
The agent who writes your account services it. No call queue, no handoff to a service center, no annual reintroduction to a new representative.
Claims advocacy
At claim time you are dealing with an adjuster and a policy form. We stay in the file, document the loss with you, and press for the settlement the policy language supports.
Multi-location programs
One schedule, consistent limits and certificates issued per location as landlords, lenders and franchisors request them. Schedules stay current as you add sites.
What our clients say.
“I own an HVAC company and Othon was very easy to work with. He went above and beyond in explaining my coverage and was able to save me a couple thousand from my previous agent. Overall I highly recommend titanium shield because you get great service for a good price.”
“I’ve worked with Othon for both my personal and business coverage, and he is the rare agent who actually treats insurance like a relationship, not a transaction. He knows my household and my companies well enough to spot gaps before they become problems, and he explains options in plain language instead of dumping a stack of quotes on the table.”
“We truly can't say enough good things about Othon! He was able to help us lower our rates while actually getting us better coverage. Anytime we have a question or need something, he's there and genuinely wants to help! We would recommend him to anyone looking for someone knowledgeable, with the times, dependable, and genuinely great to work with!”
Michigan restaurant, bar and hospitality insurance.
Food and beverage is where an under-built program does the most damage: a dram shop suit, a fire in the hood system, a walk-in that fails over a long weekend. This is the class of business we know best.
- Full-service restaurants
- Bars & taverns
- Nightclubs
- Breweries & taprooms
- Pizzerias & delivery
- Banquet halls
- Catering
- Restaurant groups
Exposures we review on every hospitality account
- Liquor liability — Michigan dram shop exposure
- Assault & battery — excluded on many liquor forms
- Food spoilage — walk-in and freezer failure
- Equipment breakdown — hood systems, HVAC, refrigeration
- Business income — lost revenue and extra expense
- Workers' compensation — kitchen and service payroll
- Delivery & hired auto — staff and third-party drivers
- Multi-location coordination — one schedule, one renewal
Three stages, start to renewal.
You will know what the carriers need before they ask, and what each option actually changes.
Scope the exposure
A short call establishes operations, locations, payroll, receipts, fleet and current coverage.
Market the account
We submit to carriers that write your class of business and bring options back side by side, differences explained.
Place, service, renew
Bind, issue certificates, keep schedules current as you grow, and re-market ahead of renewal rather than after.
I know what a business means to the people behind it.
I grew up around my family’s auto repair business in Detroit. I saw firsthand how much work, sacrifice and responsibility sit behind a business owner’s front door. A business is more than a building or a policy number. It supports employees, families and years of hard work.
That is why I take commercial insurance personally. I stay involved from the first conversation through placement, renewals, certificates and claims. If I see a coverage gap, I will explain it plainly. If a problem comes up, I will stay on the file, help document what happened and push the process forward.
I cannot promise that every claim will be covered or that I will always have the lowest price. What I can promise is honest advice, direct access to me and an agent who will not disappear after the policy is issued.
Othon Economopoulos, FSCPFounder and Principal Agent
- StructureIndependent agency
- LicensingMichigan insurance producer
- OfficeRochester Hills, Michigan
- HoursMon–Fri, 8:00 AM–6:00 PM
Already insured? Get a second opinion on your coverage.
If you're already covered somewhere, we can review your current policy and renewal terms — price alongside coverage limits, deductibles, exclusions and the exposures that actually matter to your business.
Have your current declarations page, renewal date, and a note on anything that's changed at your business or property ready if you can — but you don't need it all before you reach out.
Put your current program in front of an agent who writes your class of business.
Send the basics and we will tell you what can be improved — coverage, structure or price — before anything is quoted.