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accident


How Much Liability Insurance Is Enough?

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. 

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 ...

Important Dates for OSHA Recordkeeping

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 ...

Auto Insurance Reform Bill Passed

Michigan Lawmakers Pass Auto Insurance Reform Bill After more than four decades under the current no-fault system, Michigan is about to see major reform for the first time since the No-Fault Automobile Insurance Law took effect in 1973.  Last week, Governor Whitmer signed a bill into law that contains a number of sweeping changes to the No Fault Act. While ...

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 ...

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:

What to do After You've Been in an Accident

You Have Just Been In An Accident...Now What? The light turns red, and at first glance, vehicles have stopped.  It is your turn to clear the intersection making a left turn.....screeeeeech!  The metal of the vehicle moaned and a brief moment of silence ensued.  Steam rose from the hood and the oily smell of smoke hung in the air as you ...

The Home-Sharing Basics

What You Should Know Before Home-Sharing? By now, you have probably heard of the popularity in ride-sharing (Uber, Lyft) and home-sharing (Airbnb).   Maybe you have even considered joining one of these home-sharing websites to earn some extra money.  However, there are a number of risks that homeowners should be aware of before entering into any of these activities.  

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 ...

Back to School - Insurance with Kids Away at College

School is Back in Session!   School is back in session and many people have kids going off to college.  That means a lot of changes can go on with your insurance policies, what coverage is extended and what insurance policies you can put in place to help protect your family. 

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