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Directors & Officers Liability Coverage

Directors and Officers Liability Directors and Officers Liability Insurance provides financial protection for the directors and officers of the company in the event they are sued in conjunction with the performance of their duties as they relate to the company. D&O policies can also cover the business entity if the policy is specifically endorsed to […]

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AN UMBRELLA IS NOT AN UMBRELLA

AN UMBRELLA IS NOT AN UMBRELLA  “BUT I THOUGHT MY UMBRELLA WOULD COVER FIRE DAMAGE TO MY BUILDING, AS WELL AS . . .” This Special Report was written by Kenneth R. Hale, J.D., CPCU, AAI, LIC. Don’t be misled by the word “Umbrella” in the title of an Umbrella policy. This was the name […]

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You could lose it all!

  HOW PEOPLE GET HURT FROM YOUR PERSONAL ACTIVITIES AND HOW YOU CAN LOSE YOUR ASSETS 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 […]

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Critical considerations for businesses

 CRITICAL CONSIDERATIONS IN BUSINESS PROPERTY INSURANCE PROGRAMS Over the past 41 years as insurance coverage attorneys, expert witnesses in property insurance claims, and insurance agents, we have been involved in over $100,000,000 of major property claims. As a result, we have learned many lessons, and the purpose of this publication is to relate those lessons […]

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The Three Deadly Sins of Property Insurance

Our furnace malfunctioned last week causing smoke damage to our building, machinery and inventory. We already paid our deductible, but now the insurance company is telling us that they will only pay for one- half of the damages.  My building burned down last month, but now the insurance company refuses to pay for the fire […]

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

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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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“Are there risks in changing my insurance?”

  Asking for Quotes How you go about buying insurance is an important process. Some buyers make multiple copies of their current insurance policies and invite multiple agents to bring in quotes from multiple insurance companies and ask that they quote “what I have right now.” These agents, in turn, send applications to multiple insurance […]

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Am I covered for the cleanup of pollutants following a major claim such as a fire?

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 […]

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