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Six Steps to Minimize Business Interruptions

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.

Auto Insurance Reform Bill Passed

Updated December 2025 Michigan Auto Insurance Reform: What It Means for Drivers in 2025 Michigan’s auto insurance landscape permanently changed when lawmakers passed historic No-Fault Auto Insurance Reform—the first major overhaul since the original law took effect in 1973. While the bill was signed into law in 2019 and officially implemented in 2020, many of its long-term impacts are still ...

Disability Insurance - How Much Do You Need?

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 ...

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514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

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150 State St
Hillman, MI 49746

Local: (989) 742-4574

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

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117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

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Petoskey, MI 49770

Local: (231) 347-4610

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440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664

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PO Box 39
Oscoda, MI 48750-0039

Local: (989) 739-1461