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What Businesses Need to Know About the Insurance Market Outlook for 2022

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 ...

5 Strategies for Reducing Health Benefits Costs in 2022

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 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 ...

4 Tips for Winter Roof Maintenance

The Michigan winters can bring a lot of rain, sleet, ice, wind, and of course snow. Depending on what side of the discussion you are on, the extra snow can bring heaps of fun or added work. Keeping your roof in good shape is truly a year-round job but it is especially important that you focus on solid roof maintenance ...

How Can I Save Money on My Business Insurance?

How can I save money on my business insurance? Let's face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package - quality and price are important. 

The Rough Notes Company - Agency of the Month

Agency of the Month LOOKING FOR NEW BUSINESS Northern Michigan agency turns its sights southward By Jenny Berner

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 ...

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 ...

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Gaylord, MI 49735-1401

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