At Thayer-Innes Agency, we specialize in both the Cannabis and Home Health Care industries, providing the unique and specialized coverages they require to address the exposures that these operations face. We work with a number of companies to ensure that we find the best financial protection for each of the niche markets we serve.


In late 2018, recreational use of cannabis was officially legalized in Michigan. Any adult 21 or older can use and possess cannabis. Purchasing recreational cannabis from licensed establishments, however, most likely won’t be occurring until 2020 when licensing regulations are expected to be ironed out. In the meantime, medical marijuana, which has been legal since 2008, can be purchased if one qualifies.

Thayer-Innes Agency is poised to assist establishments with their insurance needs as this budding industry grows. From growers and cultivators to laboratories, wholesalers and distributors and medical marijuana dispensaries to future recreational retail operations, we can help you protect against property and liability risks. Coverages includes:

  • General Liability
  • Commercial Property
  • Products Liability/Product Recall
  • Excess Liability
  • Equipment Breakdown
  • Business Interruption
  • Crime & Employee Dishonesty
  • Workers Compensation

We will review your individual exposures and recommend coverages to address your unique risk profile.

Home Health Care

The U.S. home health care industry is expected to reach $300 billion by 2022. This growth is as a result of a number of factors: an aging population, increasingly more individuals looking to age in the comfort and convenience of their homes, cost efficiencies and improved patient outcomes. Home health care providers offer a number of key services: assisting patients and their families with preventive management care; providing assistance with chronic conditions such as diabetes and cardiac care; managing wounds and prescription medications; administering essential therapies; and providing day-to-day companion care in the home, such as cooking meals, bathing, and dressing the patient, cleaning the house, and offering companionship.

With these services come a number of exposures that require the right mix of coverages. From professional liability risks to workers compensation and much more, Thayer-Innes Agency is ready to put together a program for your home health care agency that addresses your risk profile. This includes the following coverages:

  • General Liability
  • Entity Professional Liability
  • Non-Owned & Hired Auto Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Commercial Property
  • Crime & Employee Dishonesty
  • Workers Compensation

Our professionals will review your risk exposures and recommend policies that are the best fit and price for your needs.

Personalized Assistance from an Agent You Trust

Thayer-Innes Insurance Agency and Freeman Bunting Insurance Agency, members of Trusted Choice, serve you more than just an insurance policy. For over 25 years, owner Cam Innes has offered clients customized options that best meet their needs. Our licensed professionals have been forming strong customer and community ties throughout Washtenaw County for decades, offering clients a choice of insurance plans and programs at top-value. Please give us a call at 734-662-4567, or fill out our free quote form above to learn more about our comprehensive products and services.