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Loss


Does Your Policy Need a Back to School Checkup?

While many back-to-school checklists exist, most fail to mention the importance of checking in with your insurance agent. Whether your scholar is attending a big name Ivy League school, or the local community college this fall, you will want to address this life milestone with your agent before it’s too late. Read on for some tips on tying up any ...

Waiver of Subrogation: What is it?

When you’re shopping around for commercial insurance, you’ll likely come across the term waiver of subrogation or subrogation waiver as part of your contract terms. Read ahead to find out what this is, and if you should consider the additional coverage.

April is Distracted Driving Awareness Month!

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize potential distractions behind the wheel.

What to do in the Event of a Claim

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 ...

How Does the Increase in Cost of Construction Impact Your Insurance?

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 ...

Are You Prepared for an Active Shooter Incident?

Recently, I was invited to an 'Active Shooter' training with Iron Fish Distillery  led by Deputy Michael Makowski of Grand Traverse County Sheriff's Office. You may be wondering, 'why would we be doing active shooter training in Northern Michigan?'. Active shooter risk is a very unfortunate reality in America which has led many businesses to prepare their teams for crisis ...

Disability Insurance - How Much Do You Need?

How Much Disability Insurance Do You Need? May is Disability Insurance Awareness Month which means this is a great time to begin the conversation of how you can protect your ability to earn an income.  One third of workers are concerned about becoming sick or disabled and not being able to work - yet only 20% have disability insurance. 2018 Insurance ...

The Cheapest Auto Insurance Could Be an Expensive Mistake

The Dangers of Buying Insurance Only on Price Insurance is an essential investment that helps by providing critical financial protection in the event of accidents, fire, theft, injury/death and more.  The other side of this is that many view it as a pricey investment each year but it is more affordable than paying these costs out of pocket.  Depending on ...

Prevent Damage from Weight of Ice & Snow and Ice Dams

Prevention Tips There are several things you can do to prevent damage from the weight of ice and snow. Here are the top 3:

Who's the Boss After a Loss?

Your Duties After a Loss As insurance professionals, we're in the business to pay claims.  After all, that is why individuals, families and business owners invest money each year - to manage the risks that face them.  An insurance policy is called a "conditional contract".  This means that if the insured does X , the insurer will do Y (protect ...

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