Commercial insurance for operations that carry real exposure.
An independent Michigan agency built around restaurants, bars, hospitality, liquor stores, automotive businesses, commercial property and manufacturing.
- Independent placement across 40+ carriers, including specialty and excess markets.
- Liquor liability and assault & battery for venues standard markets decline.
- Single sites and multi-location programs, handled by the principal agent.
Review my current coverage
Five fields. We reply within one business day.
Built for classes of business other agents send away.
High-exposure operations get declined, surcharged or under-covered by generalist agents. These are the accounts we work on every day.
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 → Hospitality & EventsHotels, banquet halls, wedding and event venues, catering.
View coverage → Franchise & Multi-LocationMaster programs, per-location certificates, one renewal date.
View coverage → Retail & Liquor StoresStorefronts, grocery and package liquor. Stock, crime, cyber.
View coverage → Commercial Auto & FleetsDelivery vehicles, box trucks, tractors, hired and non-owned.
View coverage → Contractors & TradesGeneral liability, workers' comp, tools, certificates for bids.
View coverage → Commercial & Apartment PropertyApartment and mixed-use owners. Property, liability, loss of rents.
View coverage → Automotive BusinessesRepair shops, service centers and dealerships. Garage exposure.
Talk to us → ManufacturingProduct liability, equipment, business income and fleet exposure.
Talk to us → 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.
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.
Othon Economopoulos
Othon is the principal agent and the point of accountability on every account the agency writes — submission, placement, certificates, mid-term changes, claims and renewal. Business owners deal with the person who built the program, not with whoever answers next.
- StructureIndependent agency
- LicensingMichigan insurance producer
- OfficeRochester Hills, Michigan
- HoursMon–Fri, 8:00 AM–6:00 PM
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.