BLOG POSTS

Violations vs. Willful Action

Errors in the course of business dealings may be covered, but willful lawbreaking often isn’t. A commercial general liability insurance policy is an essential, broad-form coverage that protects businesses from injuries to others and damage to their property caused by your company or employees.…

New Projects across State Lines

It’s important to get workers compensation right as your business expands.  Employers in almost every state in the United States are required to provide Workers Compensation Insurance, though state laws vary regarding specific triggers, such as the number of full-time or part-time workers…

Our Response to COVID-19

As a result of the recent outbreak of the novel Coronavirus (COVID-19) all Americans and businesses are being asked to band together to reduce the impact on our lives and our economy.  We want to let you know that we are working hard to be sure that you have the resources you need throughout…

A Jewel of a Policy

High-value gifts may need special insurance coverage. Whether it’s a retirement, Valentine’s Day, a birthday or just a special day to honor someone you love, jewelry and watches make wonderful mementos. If you have purchased or received an exquisite gift of high monetary value, you will also want…

Snow Woes

Even after the sun comes out, snow can wreak havoc. Living up north, we get used to a lot of snow, but homeowners can all use a refresher about some aspects of snowfall — or a short bit of advice if you’re a first-time homeowner. Roof collapses, ice dams and damage from snowmelt are three of the…

My Fire, Your Fence

Fires in mulch, sheds and other exterior spaces can spread to neighbors’ property. Often when we think of home fires, we think of damage to the house, but home fires frequently occur in detached structures and even in outdoor spaces with no buildings in the immediate area. Fires can start in junk…

Sunscreen - Keep Your Skin Protected

With Michigan temperatures hitting close to the 90’s over the course of the next few weeks, there is no doubt that summer is finally upon us.  So, while you’re spending as much time as you can outdoors, soaking up the sun, don’t forget to keep your skin protected. Lathering up with sunscreen…

Wonderful World of Watersport

Make sure you have the right insurance and damage prevention for your watercraft Lakes, rivers and all sorts of bodies of water beckon as the temperatures warm, which means it’s time to un-tarp or retrieve from storage all your watercraft and watersport equipment. As part of your seasonal unveiling…

Think Flood Insurance Has You Covered?

Because NFIP policies provide only baseline protection, you might want to expand your coverage. The federal government offers a commercial flood insurance policy that provides up to $500,000 in building property coverage and up to $500,000 in business personal property (or contents) coverage. The…

Off to the Slopes

Traveling with expensive ski equipment is safer with the right insurance. Did you know Michigan is home to the Midwest’s highest vertical drop? If you’re an avid skier, you may well know this and many other facts about Michigan’s rural and quasi-suburban skiing opportunities, both downhill and…