Blog | Top O' Michigan Insurance Solutionshttps://tomia247.com/blog/2024-03-28T14:28:45+00:00Blog
Come back often for all the latest insurance news updates.Are You Prepared for an Active Shooter Incident?2021-06-09T12:49:01+00:002024-03-28T10:04:31+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/are-you-prepared-for-an-active-shooter-incident/<p><span>Recently, I was invited to an <a href="https://en.wikipedia.org/wiki/Active_shooter_training" rel="noopener" target="_blank">'Active Shooter' training</a> with <a href="http://www.ironfishdistillery.com" rel="noopener" target="_blank" title="Iron Fish Distillery"><span style="text-decoration: underline;"><strong>Iron Fish Distillery </strong></span></a> led by Deputy Michael Makowski of <a href="https://www.gtcountymi.gov/2213/Sheriff" rel="noopener" target="_blank">Grand Traverse County Sheriff's Office</a>. 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 management and response. This is great way to introduce this growing risk to businesses, how they can prepare for it and protection for the response to an active shooter event. </span></p>
<h4>What is an Active Shooter Event?</h4>
<p><a href="https://www.thehartford.com/business-income-insurance" rel="noopener" target="_blank" title="Business Income"></a>U.S. Homeland Security defines an active shooter as "an individual actively engaged in killing or attempting to kill people in a confined and populated area; in most cases, active shooters use firearm(s) and there is no pattern or method to their selection of victims." Because active shooter situations are often over within 10 to 15 minutes—before law enforcement arrives on the scene—individuals must be prepared both mentally and physically to respond to an active shooter situation.</p>
<p>Even if the company is able to resume its operations after an active shooter incident, recovery can take an extensive amount of time. To recover from a shooting, organizations should make continuity planning, personnel issues and communication strategies top priorities. In this guide, we’ll share recommendations from experts about what organizations can do to prepare for and recover from an active shooter incident.</p>
<hr/>
<h4 style="text-align: center;">Training Your Staff for an Active Shooter Situation</h4>
<p>Active shooter incidents are often unpredictable and evolve quickly. Anyone can play an integral role in the midst of the chaos to mitigate the impacts and limit the loss of life. To best prepare your staff for an active shooter situation, you can begin by creating an Emergency Action Plan (EAP) and conduct training exercises with your team.</p>
<table border="1" style="border-collapse: collapse; width: 100%;">
<tbody>
<tr>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>Components of an Emergency Action Plan (EAP)</strong></h5>
<p>When creating an EAP, it is important to do so with input from several key stakeholders. These individuals should include (but not limited to) owners, managers, your HR department, and local emergency responders. An effective EAP includes the following:</p>
<ul>
<li><strong>A preferred method for reporting fires and other emergencies</strong></li>
<li><strong>An evacuation policy and procedure</strong></li>
<li><strong>Emergency escape procedures and route assignments (e.g., floor plans or safe areas)</strong></li>
<li><strong>Contact information for, and responsibilities of, individuals to be contacted under the EAP</strong></li>
<li><strong>Information concerning local area hospitals (e.g., the name, telephone number and distance from your location)</strong></li>
<li><strong>An emergency notification system to alert various parties of an emergency including the following:</strong>
<ul>
<li><strong>Individuals at remote locations within the premises</strong></li>
<li><strong>Local law enforcement</strong></li>
<li><strong>Local area hospitals</strong></li>
</ul>
</li>
</ul>
</td>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>Components of Training Exercises</strong></h5>
<p>The most effective way to train your staff to respond to an active shooter situation is to conduct mock active shooter training exercises. Local law enforcement is an excellent resource in designing training exercises. Training components may include the following: <strong></strong></p>
<ul>
<li><strong>Recognizing the sound of gunshots</strong></li>
<li><strong>Reacting quickly when gunshots are heard and/or when a shooting is witnessed:</strong></li>
<ul>
<li><strong>Evacuating the area</strong></li>
<li><strong>Hiding out</strong></li>
<li><strong>Acting against the shooter as a last resort</strong></li>
</ul>
<li><strong>Calling 911</strong></li>
<li><strong>Reacting when law enforcement arrives</strong></li>
<li><strong>Adopting the survival mindset during times of crisis</strong></li>
</ul>
<p></p>
</td>
</tr>
</tbody>
</table>
<hr/>
<h4 style="text-align: center;">Preparing For and Managing an Active Shooter Situation</h4>
<p><span class="photoRight"><img alt="Evacuation Plan" caption="false" height="Auto" src="https://www.tomia247.com/media/uploads/blog/istock-469156268.jpg" style="border-style: groove; border-width: 2px;" width="60%"/></span></p>
<p>The key stakeholders you've chosen to spearhead the EAP and training should be engaged in all planning for emergency situations, including workplace violence or an active shooter. This planning for emergency situations will help to mitigate the likelihood of an incident by establishing the mechanisms described below:</p>
<ul>
<li><span class="textRed"><strong>Ensure your facility has at least two evacuation routes.</strong></span></li>
<li><span class="textRed"><strong>Post evacuation routes in conspicuous locations throughout your facility.</strong></span></li>
<li><span class="textRed"><strong>Include local law enforcement and first responders during training exercises.</strong></span></li>
<li><span class="textRed"><strong>Encourage law enforcement, emergency responders, SWAT teams, K-9 teams and bomb squads to train for an active shooter scenario at your location.</strong></span></li>
</ul>
<table border="1" style="border-collapse: collapse; width: 100%;">
<tbody>
<tr>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong></strong></h5>
<h5 style="text-align: center;"><strong>Human Resources' Responsibilities</strong></h5>
<p>The following are responsibilities of HR professionals:</p>
<ul>
<li><strong>Conduct effective employee screening and background checks.</strong></li>
<li><strong>Create a system for reporting signs of potentially violent behavior.</strong></li>
<li><strong>Make counseling services available to employees.</strong></li>
<li><strong>Develop an EAP which includes policies and procedures for dealing with an active shooter situation, as well as after action planning.</strong></li>
<li><strong>Make counseling services available to employees.</strong></li>
<li><strong>Develop an EAP which includes policies and procedures for dealing with an active shooter situation, as well as after action planning.</strong></li>
</ul>
</td>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong></strong></h5>
<h5 style="text-align: center;"><strong>Facility Manager Responsibilities</strong></h5>
<p>The following are responsibilities of facility mangers:</p>
<ul>
<li><strong>Institute access controls (e.g., keys and security system passcodes).</strong></li>
<li><strong>Distribute critical items to appropriate managers and employees, including floor plans, keys, facility personnel lists and telephone numbers</strong></li>
<li><strong>Coordinate with the facility’s security department to ensure the physical security of the location.</strong></li>
<li><strong>Assemble crisis kits containing radios, floor plans, staff roster and emergency contact numbers, First-aid kits, flashlights</strong></li>
<li><strong>Place removable floor plans near entrances and exits for emergency responders.</strong></li>
<li><strong>Activate the emergency notification system (if available) when an emergency situation occurs.</strong></li>
</ul>
<ul></ul>
</td>
</tr>
</tbody>
</table>
<hr/>
<h4></h4>
<table border="1" style="border-collapse: collapse; width: 100%;">
<tbody>
<tr>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>How to Respond When an Active Shooter is in Your Vicinity</strong></h5>
<p><strong>Quickly determine the most reasonable way to protect your own life. Remember that customers and clients are likely to follow the lead of employees and managers during an active shooter situation.</strong></p>
<ul>
<li>Be aware of your environment and any possible dangers.</li>
<li>Take note of the two nearest exits in any facility you visit.</li>
<li>If you are in an office, stay there and secure the door.</li>
<li>If you are in a hallway, get into a room and secure the door.</li>
<li>As a last resort, attempt to take the active shooter down. When the shooter is at close range and you cannot flee, your chance of survival is much greater if you try to incapacitate him or her.</li>
<li>Call 911 when it is safe to do so.</li>
</ul>
<hr/>
<h5>1. Evacuate</h5>
<p>If there is an accessible escape path, attempt to evacuate the premises:</p>
<ul>
<li><strong>Have an escape route and plan in mind.</strong></li>
<li><strong>Evacuate regardless of whether others agree to follow.</strong></li>
<li><strong>Leave your belongings behind.</strong></li>
<li><strong>Help others escape, if possible.</strong></li>
<li><strong>Prevent individuals from entering an area where the active shooter may be.</strong></li>
<li><strong>Keep your hands visible so the shooter does not see you as an immediate threat.</strong></li>
<li><strong>Follow the instructions of any police officers.</strong></li>
<li><strong>Do not attempt to move wounded people.</strong></li>
<li><strong>Call 911 when you are safe.</strong></li>
</ul>
<h5>2. Hide Out</h5>
<p>If evacuation is not possible, find a place to hide where the active shooter is less likely to find you. Your hiding place should have the following characteristics:</p>
<ul>
<li><strong>Be out of the active shooter’s view</strong></li>
<li><strong>Provide protection if shots are fired in your direction (e.g., an office with a closed and locked door)</strong></li>
<li><strong>Not trap you or restrict your options for movement</strong></li>
</ul>
<p>You should also take some basic steps to prevent a shooter from noticing your presence or entering your hiding place:</p>
<ul>
<li><strong>Lock any doors, if possible.</strong></li>
<li><strong>Blockade the door with heavy furniture.</strong></li>
</ul>
<h5>3. Take action against the active shooter</h5>
<p>As a last resort, and only when your life is in imminent danger, attempt to disrupt and/or incapacitate the active shooter by doing the following:</p>
<ul>
<li><strong>Acting as aggressively as possible against him or her</strong></li>
<li><strong>Throwing items and improvising weapons</strong></li>
<li><strong>Yelling</strong></li>
<li><strong>Committing to your actions</strong></li>
</ul>
</td>
<td style="width: 50%;">
<h5 style="text-align: center;"><strong>How to Respond When Law Enforcement Arrives</strong></h5>
<p>Law enforcement’s purpose is to stop the active shooter as soon as possible. Officers will proceed directly to the area in which the last shots were heard:</p>
<ul>
<li><strong>Officers usually arrive in teams of four.</strong></li>
<li><strong>Officers may wear regular patrol uniforms or external bulletproof vests, Kevlar helmets and other tactical equipment.</strong></li>
<li><strong>Officers may be armed with rifles, shotguns or handguns.</strong></li>
<li><strong>Officers may use pepper spray or tear gas to control the situation.</strong></li>
<li><strong>Officers may shout commands and may push individuals to the ground for their safety.</strong></li>
</ul>
<p>When law enforcement arrives, do the following:</p>
<ul>
<li><span class="textRed"><strong>Remain calm, and follow officers’ instructions.</strong></span></li>
<li><span class="textRed"><strong>Put down any items in your hands (e.g., bags or jackets).</strong></span></li>
<li><span class="textRed"><strong>Immediately raise your hands and spread your fingers.</strong></span></li>
<li><span class="textRed"><strong>Keep your hands visible at all times.</strong></span></li>
<li><span class="textRed"><strong>Avoid making quick movements toward officers, such as holding on to them for safety.</strong></span></li>
<li><span class="textRed"><strong>Avoid pointing, screaming or yelling.</strong></span></li>
<li><span class="textRed"><strong>Do not stop to ask officers for help or direction when evacuating, just proceed in the direction from which officers are entering the premises.</strong></span></li>
</ul>
<p>Provide the following information to law enforcement or the 911 operator:</p>
<ul>
<li><strong>Location of the active shooter</strong></li>
<li><strong>Number of shooters, if there is more than one</strong></li>
<li><strong>Physical description of the shooter(s)</strong></li>
<li><strong>Number and type of weapons held by the shooter(s)</strong></li>
<li><strong>Number of potential victims at the location</strong></li>
</ul>
<p>The first officers to arrive to the scene will not stop to help injured persons. Instead, expect rescue teams comprised of additional officers and emergency medical personnel to follow the initial officers. These rescue teams will treat and remove any injured persons. They may also call upon able-bodied individuals to assist in removing the wounded from the premises.</p>
<p>Once you have reached a safe location or an assembly point, you will likely be held in that area by law enforcement until the situation is under control and all witnesses have been identified and questioned. Do not leave until law enforcement authorities have instructed you to do so.</p>
<p><img alt="Law Enforcement" height="313" src="https://www.tomia247.com/media/uploads/blog/istock-1249400249.jpg" style="border-width: 5px; border-style: inset; display: block; margin-left: auto; margin-right: auto;" width="480"/></p>
<ul></ul>
</td>
</tr>
</tbody>
</table>
<hr/>
<h4>What Next?</h4>
<p><span>There is no easy way to put it, this is heavy stuff! However, you and your business can begin today by creating a plan and keeping some of these tips top of mind in the event of an active shooter or workplace violence situation. Gather up your key stakeholders and reach out to your local law enforcement to get started. Deputy Makowski along with other law enforcement are here to protect our communities. They encourage businesses and organizations to be proactive and prepared for all emergencies. For more articles and posters to safeguard your business, your employees and your customers, contact your partners at Top O' Michigan Insurance Solutions. </span></p>
<p><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us"><span><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/icons-and-logos/istock-609801866.jpg" style="border-style: inset; border-width: 4px; display: block; margin-left: auto; margin-right: auto;" width="55%"/></span></a></p>
<hr/>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Sources: <a href="http://www.zywave.com" rel="noopener" target="_blank" title="Broker Briefcase">Zywave</a>, <a href="https://en.wikipedia.org/wiki/Active_shooter_training" rel="noopener" target="_blank">Wikipedia</a>, <a href="https://www.insurancebusinessmag.com/us/guides/what-is-active-shooter-insurance-coverage-118961.aspx" rel="noopener" target="_blank">Insurance Business Magazine,</a> <a href="https://www.cisa.gov/private-citizen" rel="noopener" target="_blank">CyberSecurity & Infrastructure Security Agency</a></span></p>
<p>Provided by Top O' Michigan Insurance</p>
<p>This Risk Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2015 Zywave, Inc. All rights reserved.</p>4 Tips for Winter Roof Maintenance2020-12-30T14:52:11+00:002024-03-28T14:28:45+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/tips-for-winter-roof-maintenance/<p>The Michigan winters can bring a lot of rain, sleet, ice, wind, and of course <strong>snow</strong>. 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 during these cold-weather months. Between all of the precipitation and frigid temperatures, the winter weather can also bring on some extra wear and tear to your roof. Here are <strong>Four Winter Roof Maintenance Tips</strong> to help you prevent costly damage or losses at your property.</p>
<div id="fb-root"></div>
<p></p>
<ol>
<li>
<h5><strong>Clear the roof and gutters of debris, leaves and branches before a major snowfall.</strong></h5>
<ol>
<li><strong>This is best completed before winter sets in. Be sure that you clear your gutters and roof of debris from the summer and fall. This can help avoid ice dams so it is important that water and snow can easily run off the surface and into your gutters.</strong></li>
<li><strong>Be sure that you also cut back any tree branches near or touching the roof. The ice build-up on the trees can cause them to hang lower or even break off causing additional damage or problems throughout the year.</strong></li>
</ol>
</li>
<li><strong><strong style="color: #01529b; font-size: 1.4em;">Remove snow and ice as soon as possible.</strong></strong>
<ol>
<li><strong>Although it may be a nice picture to look at, the snow and/or ice building up on your roof can be detrimental. The weight of snow and ice can lead to collapse or additional build-up creating ice dams. </strong></li>
<li><strong>If you can safely do so, be sure to remove all ice and snow from your roof as quickly as possible. Since these conditions can make it very slippery, it is best to hire a roof maintenance company to help take care of the snow/ice for you.</strong></li>
</ol>
</li>
<li><strong style="color: #01529b; font-size: 1.4em;">Check your attic.</strong>
<ol>
<li><strong>Pests can be one of the biggest problems a property owner can face throughout the year. Make sure that your home is "pest-proof" and that you keep an eye out for any signs that unwanted critters may have moved in with you for the winter. Some of these signs include noises in the attic, damage to gutters or holes/damage in your siding.</strong></li>
<li><strong>You will also want to make sure you have proper insulation and ventilation. These are critical to the roof when the weather begins to get colder. You may be able to notice common signs of ventilation issues such as heating/cooling issues or a build-up of condensation/moisture.</strong></li>
</ol>
</li>
<li>
<h5><strong>Get a complete roof inspection by a professional.</strong></h5>
<ol>
<li><strong>A licensed roofing contractor can provide a full inspection of your roof. They can then help identify any weaknesses or existing damage that needs repairs.</strong></li>
<li><strong>By hiring a professional, you can ensure that repairs to siding, flashing, shingles, gutters are done correctly.</strong></li>
</ol>
</li>
</ol>
<p>It is always best to get this done before the severe winter weather hits but you can follow these four winter roof maintenance tips to protect your roof. Taking care of any small issues now can help prevent them from '<strong><em>snowballing'</em></strong> into a major catastrophe later in the winter. Not sure where to find a local roofing contractor, please reach out to any member of our agency for suggestions in your area. </p>
<hr/>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<h4></h4>8 Life Events that Affect Your Insurance Needs2019-07-17T18:20:52+00:002024-03-28T10:05:19+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/8%20Life%20Events%20that%20Affect%20Your%20Insurance%20Needs/<p>Think about your most recent favorite show to binge watch. The characters continue to develop and deal with a lot of uncertain changes through each season. Unlike these characters, our lives are not scripted and that means there is a lot more unknown in life that we need to prepare for. As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact your insurance broker if you’re affected by any of the following life events:</p>
<p> </p>
<table border="1" style="border-collapse: collapse; width: 100%; height: 260px;">
<tbody>
<tr style="height: 85px;">
<td style="width: 50%; height: 85px;">
<ul>
<li><strong>New home ownership</strong>— Purchasing a new home is a big investment—one that you will want to protect. After purchasing a home, ensure that you have homeowners insurance to protect against things like fire, weather damage, theft, vandalism and accidental damage. This advice also holds true if you are buying a new condo or vacation home.</li>
</ul>
</td>
<td style="width: 50%; height: 85px;"><img alt="New Home" src="https://www.tomia247.com/media/uploads/Stock%20Images/family-home-475879_640.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Home renovations</strong>—Once you own a home, you may want to make updates to create a better living space. Be sure to report major home improvements to your insurance company to protect any increased value to your home. </li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Home Renovations" src="https://www.tomia247.com/media/uploads/building-1080591_640.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>New children</strong>—Having or adopting children is not only a huge life change, but it’s also a major financial commitment. As such, it’s important to purchase the right policy to secure your child’s future. Add your child as a beneficiary on any life insurance policies, and make sure your coverage is sufficient.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Family" src="https://www.tomia247.com/media/uploads/family_sunset.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Teenage drivers</strong>— Teen drivers often carry the highest risk of auto accidents. While you want your teen driver to remain safe on the road, costly accidents can happen without warning. Consider adding your teen driver to your auto policy, as it is generally cheaper than purchasing a separate policy.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Teen Driver" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1011161156.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Retirement</strong>—When you retire, you may change residences. If you have more than one home, this is a good time to let your insurance provider know where you plan to spend your time. You may also have changing financial needs that can be protected and maximized with a life insurance or annuity product.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Retirement" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1174972796.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Marriage</strong>—When your marital status changes, so do your insurance needs. Marriage typically leads to the combination of households, vehicles and other property, so it is critical to update your insurance policies accordingly. What’s more, life insurance is vital to married couples as it can ease the financial burden in the event of an untimely death of a partner. Ask about discounts on car insurance for married policyholders.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Marriage" src="https://www.tomia247.com/media/uploads/images/wedding_bw.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Valuable purchases</strong>—A standard homeowners policy has limited coverage for highly valuable items. Supplement purchases and gifts that exceed the policy’s limits with a floater—a separate policy that provides additional insurance.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Valuable Jewelry " src="https://www.tomia247.com/media/uploads/Stock%20Images/diamond-2594307_640.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
<tr style="height: 25px;">
<td style="width: 50%; height: 25px;">
<ul>
<li><strong>Purchasing or selling a business</strong>—If you’re an entrepreneur, there will likely come a time when you will either buy or sell your business. During these times of major change, the proper coverage is crucial.</li>
</ul>
</td>
<td style="width: 50%; height: 25px;"><img alt="Business Sale Purchase Contract" src="https://www.tomia247.com/media/uploads/Stock%20Images/contract-3002431_640.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="25%"/></td>
</tr>
</tbody>
</table>
<p> </p>
<p>Insurance is critical for nearly every stage of life. Seeking coverage should be an active process, and individuals shouldn’t assume their insurance needs remain steady over time. Consider contacting your broker today to better understand your insurance and future needs.</p>
<hr/>
<h4 style="text-align: center;"><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us"><span>Have you had one or more of these life events recently?</span></a></h4>
<p><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us"><span> <img alt="Contact Us" src="https://www.tomia247.com/media/uploads/icons/istock-609801866.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="75%"/></span></a></p>
<hr/>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Sources: <a href="http://www.zywave.com" rel="noopener" target="_blank" title="Broker Briefcase">Zywave</a></span></p>
<p>Provided by Top O' Michigan Insurance</p>
<p>This Risk Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2015 Zywave, Inc. All rights reserved.</p>Disability Insurance - How Much Do You Need?2019-05-06T21:06:54+00:002024-03-28T10:11:55+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/disability-insurance-awareness-month/<h3>How Much Disability Insurance Do You Need?</h3>
<p>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. <sub>2018 Insurance Barometer Study, Life Happens and LIMRA.</sub></p>
<p>According to the Life Happens survey in 2018, 88% of employed Americans know much more about their favorite TV show than their disability insurance(41%). Often times, individuals don't imagine becoming disabled in their lifetime however, you actually have a 3 in 10 chance of suffering a disability that keeps you out of work for 90 days or longer at some point during your working career.<sup>1</sup> You may think if you don't work in a dangerous profession, that you won't need disability insurance. Keep in mind that 90% of disabilities are caused by illnesses, not accidents.<sup>2</sup></p>
<p>Are you thinking about disability insurance and how you can protect your financial future yet? So where do you start? The first step is determining how much disability insurance you need. You can use a simple worksheet like this:</p>
<p><iframe frameborder="0" height="1567" scrolling="no" src="https://onedrive.live.com/embed?resid=A68573B9B4F90B3B%215387&authkey=%21AAttdfbPpLo6y0o&em=2&wdAllowInteractivity=False&AllowTyping=True&Item='DI%20Budget'!B1%3AE33&wdHideGridlines=True&wdDownloadButton=True&wdInConfigurator=True" width="700"></iframe></p>
<p>Once you've determined what amount you need for disability, reach out to your insurance solution provider to protect your income at 800-686-8664, <a href="mailto:ClientService@TOMIA247.com">ClientService@TOMIA247.com</a> or <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank">contact us here</a>!</p>
<p><sup><span>1 The Real Risk of Disability in the United States, Milliman Inc., on behalf of the LIFE Foundation, May 2007</span></sup><br/><sup><span>2 The Council for Disability Awareness, Long-Term Disability Claims Review, 2010</span></sup></p>