Cobra Compliance

FAILURE TO COMPLY WITH COBRA COULD SUBJECT AN EMPLOYER TO TAXES AND PENALTIES UP TO $200 PER DAY AND PAYMENT OF THE QUALIFIED BENEFICIARY’S CLAIMS THAT WOULD HAVE BEEN COVERED BY INSURANCE The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) provides employees and their dependents who have been covered by one or more employment related […]

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Who is listed as a driver on your auto insurance policy?

EXCLUSION OF DRIVERS UNDER A MICHIGAN AUTOMOBILE INSURANCE POLICY Insurance companies often exclude drivers from personal and commercial insurance policies. The insurance companies will typically use an ISO type form indicating the following: We will not be liable for any accidents or losses while the covered auto was driven by:             The problem with this language […]

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Embezzling Employees

Employee theft is the frequent subject of newspaper headlines: “Starbucks accuses employee, husband, of embezzling $3.7 million from firm” In this case, the employee and her husband set up a phony company and charged Starbucks for information technology work that was never performed. “Entech temp implicated in scam on GM executives” A temporary employee took […]

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Do you need an email disclaimer?

  Email has become one of the staples of business and personal communication. Now more than ever, companies are increasingly aware that email and other forms of electronic communication pose a number of significant exposures. In recent years many organizations have fallen victim to lawsuits brought by both their employees and other companies as a […]

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“The 50 Most Influential Women in West Michigan” 2014 share their secret to success!

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Employee Dishonesty Claims

  There are a number of common instances where no coverage may be provided under an employee dishonesty coverage form. This Special Report will discuss a few of these instances. You will want to consult with counsel as part of your determination and application of coverages. Most employee dishonesty coverage forms include the following concepts: […]

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I only have one employee. Do I need workers’ compensation?

  A great deal of confusion centers around who must secure Michigan workers’ compensation insurance. Too  often  only  after  an  asset-threatening claim  does  a  homeowner  or  a  small commercial employer discover that absent a workers’ compensation policy, his/her liability insurance cannot or inadequately responds. Also,  Department  of  Labor  fines  and penalties often apply because of […]

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Do you have holes in your coverage?

    Please sign up for the digital downloads.  You will gain access to over a hundred  special reports related to both personal and commercial insurance. For any of your personal or commercial insurance needs, please contact us.

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Actual lawsuits in Michigan….Don’t let them happen to you!

The purpose of this Special Report is to share some of the real-life liability cases over the last 15 years in Michigan. In fact, there were so many cases that we decided to compile a list of those lawsuits over $1,000,000 in Michigan just to show the extent to which one simple accident could wipe […]

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Are your named insureds accurate?

In our weekly audit of commercial insurance programs for all kinds of businesses insured through many agencies, we often find that many entity names are improperly listed on such policies or not listed at all. This applies to many types of business insurance policies including property, general liability, workers’ compensation, umbrella, business automobile, directors and […]

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