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

Posted: in Claims , Home , Homeowners , Loss , Risk Management 4 years, 10 months ago

Updated January 2026 Rising Construction Costs: Why Your Insurance Coverage Matters More Than Ever in 2025 By now, most homeowners and business owners are well aware that construction costs remain significantly higher than they were just a few years ago. While prices have stabilized in some areas, material and labor costs are still elevated—and that reality has important implications for ...

Are You Prepared for an Active Shooter Incident?

Posted: in Accident , Claims , Insurance , Loss , Loss Control , Michigan , OSHA , Risk Management , Small Business 4 years, 11 months ago

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:

Six Steps to Minimize Business Interruptions

Posted: in Claims , Data Breach , Insurance , Small Business 5 years, 1 month ago

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.

Is My Business a Target for Social Engineering Fraud and Cyber Crime?

Posted: in Claims , Cyber Liability , Data Breach , Insurance , Loss Control , Small Business 5 years, 2 months ago

Updated December 2025

Important Dates for OSHA Recordkeeping

Posted: in Claims , Insurance , Loss Control , OSHA , Risk Management , Workers Compensation 5 years, 3 months ago

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 ...

5 Strategies for Reducing Health Benefits Costs in 2025

Posted: 5 years, 8 months ago

Updated December 2025

How Can I Save Money on My Business Insurance?

Posted: in Small Business 5 years, 10 months ago

Updated December 2025 How Can You Save Money on Business Insurance in 2025? Running a business in 2025 means balancing rising costs, evolving risks, and tighter margins. Whether you’re investing in new equipment, expanding your team, or adopting new technology, value matters—and that includes your business insurance.

Disability Insurance - How Much Do You Need?

Posted: in Accident , Disability Insurance , Financial , Health Insurance , Insurance , Life Insurance , Loss 7 years ago

Updated December 2025 How Much Disability Insurance Do You Really Need in 2025? Most people insure their home, their car, and even their phone—but forget to insure the one thing that pays for everything: their income. May is still recognized as Disability Insurance Awareness Month, making it the perfect time to talk about how you protect your ability to earn ...

What is Cyber Liability?

Posted: in Cyber Liability , Data Breach , Insurance , Small Business 7 years, 3 months ago

Updated April 2026

Back to School - Insurance with Kids Away at College

Posted: in Auto Insurance , Claims , Homeowners , Insurance , Renters Insurance 7 years, 3 months ago

updated April 2026

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