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: […]
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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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 […]
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 […]
The following is an explanation of the pollutant cleanup coverage which is available under the standard property insurance policy. As always, no two insurance companies or policies are created equal. The actual language of these provisions will vary on a case-by-case basis. Property Insurance Policy The standard property insurance policy provides very little coverage, if […]
Depending on the company seeking insurance and the specific type of coverage, the level of involvement by the individuals associated with the placement process can vary greatly. Most would consider each of the individuals involved in the placement process as insurance experts. While each of these individuals is very knowledgeable about the many different aspects […]
GOTCHA! “I do not have a great deal of patience with the purchasing of insurance or management of risk. I have never even had a claim.” This can result in multiple claim problems. The following language should be removed from an insurance buyer’s vocabulary: o “Just quote what I have now. Email […]