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Disclaimer: Dearborn Life Insurance Company's group insurance products are offered © Small Business Association of Michigan, All rights reserved. How much does small business insurance cost in MI? ; General liability: $42 per month ; Workers' comp: $44 per month ; Professional liability/E&O: $59 per month. With Melton McFadden, you'll be able to find the right small business insurance Michigan plan for your company. If you own and operate a Michigan small business of any kind, you need the right insurance policy. But first, you should familiarize yourself with the facts. Michigan Business Insurance · Minnesota Business Insurance Don't forget the essentials when starting your small business. business liability insurance.