The last few years have been a challenge for many businesses due to a number of reasons (some more obvious than others). Some of these factors have also had a negative effect on the insurance industry after years of relative stability, which has accelerated a hardening insurance marketplace. This means that many segments of the insurance industry are becoming less ...
For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a global pandemic. With that in mind, employers can bank on prices going up in 2022.
How much liability insurance is enough? $1,000,000 is an awful lot of money, right? That certainly seems that most people would be comfortable with these limits but should they be? Since every individual and business is unique, it can be hard to conceptualize possible scenarios where a large liability loss would occur.
Experiencing a loss to your property or worse yet, bodily injury or death is a very stressful time. It may be difficult to know what your next steps are after making sure everyone involved is okay or being treated by emergency responders. Here are a few tips to help guide you through a loss and claim process whether it is ...
By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to an Associated Builders and Contactors analysis, lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material ...
Updated January 2026
Active Shooter Preparedness: What Businesses Need to Know in 2025
Recently, I was invited to participate in an Active Shooter Preparedness Training hosted by Iron Fish Distillery and led by Deputy Michael Makowski of the Grand Traverse County Sheriff’s Office. It sparked an important question we hear often:
Updated January 2026
Business Interruption Planning in 2025: How to Protect Your Business Before a Disruption Happens
According to the Federal Emergency Management Agency (FEMA), nearly 40% of businesses never reopen after a disaster. In 2025, disasters don’t just mean fires or storms—they include cyberattacks, utility failures, supply chain breakdowns, workforce disruptions, and government-mandated shutdowns.
Updated December 2025
Each year, the Occupational Safety and Health Administration (OSHA) requires certain employers to submit information from their OSHA Form 300A electronically in in addition to displaying the forms in a prominent place at the worksite. Failure to meet comply with these recordkeeping requirements and deadlines can result in OSHA penalties and more detailed recordkeeping. Let's take a closer look at these important ...
Updated December 2025
Winter Roof Maintenance Tips to Protect Your Home in Michigan (2025 Guide)
Michigan winters are nothing if not unpredictable. Heavy snow, freezing rain, sleet, high winds, and rapid temperature swings are now common—sometimes all in the same week. While extra snowfall can be great for winter recreation, it also places serious stress on residential and commercial roofs.
Alpena
514 N Ripley Blvd
Alpena, MI 49707
Local: (989) 356-6133
Hillman
150 State St
Hillman, MI 49746
Local: (989) 742-4574
Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684
Local: (231) 947-1164
Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935
Local: (906) 265-5137
Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770
Local: (231) 347-4610
Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401
Local: (989) 705-8664
Oscoda
PO Box 39
Oscoda, MI 48750-0039
Local: (989) 739-1461
