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Commercial Auto Insurance for HVAC Contractors in Michigan: Everything You Need to Know

Posted: in Auto Insurance , Commercial Insurance , Construction , Contractors , Insurance , Small Business , Workers Compensation 2 weeks ago

If you're an HVAC contractor in Michigan, your business relies on vehicles to keep jobs moving. Whether you're hauling tools across town or responding to a no-heat emergency in January, your wheels are your livelihood. But are you fully protected on the road?

HVAC Contractors: A Complete Guide to Workers’ Comp & General Liability in Michigan

Posted: in Commercial Insurance , Construction , Contractors , Insurance , Michigan , Small Business , Workers Compensation 2 weeks, 4 days ago

If you’re an HVAC contractor in Traverse City, Alpena, Petoskey or anywhere across northern Michigan, you know that staying compliant and protected isn’t just smart — it’s essential. Between tight project deadlines, climbing ladders, and handling costly equipment, accidents can (and do) happen.

From Overpaying to Savings: How We Transformed a Client's Insurance Program

Posted: 5 months ago

Backstory

Social Inflation: What "Record Settlements" Mean for Your Insurance Rates

Posted: 6 months ago

If you've driven any stretch of highway recently, you've likely noticed the countless billboards advertising the "largest personal injury attorneys" or touting "record settlements." These flashy signs beg the question: how are these settlements possible on such a massive scale, and what does this mean for the insurance industry—and you?

How to Choose the Right Insurance Agent for Your Business: Your Guide to the Right Partnership

Posted: in Commercial Insurance , Insurance , Risk Management , Small Business 6 months, 1 week ago

How to Choose the Right Insurance Agent for Your Business: A Guide for Michigan Business Owners In the world of business insurance, your agent is more than just someone who provides policies – they’re a key partner in safeguarding your business and setting it up for long-term success. So, how do you find the right one? Let’s explore the qualities ...

How Business Owners Can Tackle the Top 4 Insurance Challenges

Posted: 8 months, 4 weeks ago

It seems just about every new business owner that we've worked with is in a bind with the 1 (or more) of the same 4 problems. In today's turbulent business environment, insurance has become a major pain point for many companies. As someone deeply entrenched in the industry, I've noticed a recurring pattern of challenges that seem to plague business ...

How Much Liability Insurance Is Enough?

Posted: in Accident , Claims , Homeowners , Insurance 3 years, 9 months ago

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

Posted: in Accident , Auto Insurance , Claims , Home , Homeowners , Insurance , Loss , Risk Management , Small Business , Workers Compensation 3 years, 10 months ago

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 ...

Six Steps to Minimize Business Interruptions

Posted: in Claims , Data Breach , Insurance , Small Business 4 years, 2 months ago

According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place.

Important Dates for OSHA Recordkeeping

Posted: in Claims , Insurance , Loss Control , OSHA , Risk Management , Workers Compensation 4 years, 4 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 ...

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Alpena, MI 49707

 Local: (989) 356-6133

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3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

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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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