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The best claim is the one that never happens. We share free, practical safety resources for two things Michigan cares about deeply — keeping employees safe on the job and keeping families safe on our lakes and shorelines. A safer operation also tends to mean better insurance outcomes over time.
A strong safety program protects your people first — and it also lowers the costs that come with injuries, downtime, and claims. It starts with identifying the hazards in your operation and working through the most effective ways to control them. Safety pros call this the Hierarchy of Controls, and it's a useful lens for any business.
With this much shoreline, water safety is second nature Up North — a few reminders never hurt.
It's the simplest thing that saves lives on the water — for everyone aboard, every time.
A certified boating-safety course builds skills and may even reduce your insurance cost.
Tell someone where you're going and when you'll be back before you head out.
Impairment on the water is just as dangerous as it is behind the wheel.
Use the buddy system, watch kids closely, and know basic CPR.
Stay calm, float with it, or swim parallel to shore until you're free.
On Michigan's two-lanes and back roads, one glance at your phone is all it takes. Distracted driving is among the most preventable causes of crashes — here are simple habits that keep you, your passengers, and your neighbors safe.
Texts, emails, and apps can wait. Turn on Do Not Disturb While Driving so notifications stay quiet until you have parked.
Choose your route, playlist, and climate before you shift into drive. A few seconds in the driveway beats fumbling at 55.
Dawn, dusk, snow, and ice demand your full attention Up North. Scan the shoulders and ditches, especially in fall and winter.
If a call or message truly cannot wait, find a safe spot and stop. No conversation is worth a guardrail.
New drivers learn from what they see. Model phone-free driving and set clear ground rules before they take the keys.
Eating, reaching for items, and rowdy passengers pull your focus too. Keep your hands on the wheel and your attention on the road.
Ask us how a safety program can strengthen your coverage and lower your risk. Talk with a local Michigan agent today.