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Failure To Give Facts

MISREPRESENT ONE SMALL PART OF A CLAIM AND THE ENTIRE POLICY IS VOID A recent Michigan Court of Appeals decision is instructive in how we provide information required by an insurance company in order to receive claim payments. In this case, the insured made three separate claims under a homeowners policy. The first was a […]

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Employment Practices Liability

Employment Practices Liability Insurance: What is it? Why would I need it?

    In securing insurance coverage for your business, you may ask: What is Employment Practices Liability Insurance, and does my business really need it? The short answer is, “Yes, if you have employees, Employment Practices Liability Insurance is essential to your business.” Employment Practices Liability Insurance and What it Covers Employment Practices Liability Insurance […]

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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 result […]

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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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Is that auto discount worth it?

Automakers offer attractive discounts to employees, vendors, related parties, etc. In order to take advantage of these discounts, the automobile needs to be purchased or leased in a qualifying name. The qualifying person will often allow relatives or others to have the regular use of these vehicles. There are some major disadvantages to allowing your […]

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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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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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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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