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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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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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Property Insurance Seesaw

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 […]

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No patience to purchase! GOTCHA!

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.” ƒ    This can result in multiple claim problems. ƒ    The following language should be removed from an insurance buyer’s vocabulary:   o “Just quote what I have now. Email […]

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Critical Considerations for Business Insurance

25 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 […]

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So what’s the problem with having temporary employees?

Problem #1 If a temporary worker is hurt on your premises arising out of your negligence such as failure to maintain your parking lot or to provide safe equipment, the injured worker will be paid loss of wages and medical bills from the workers’ compensation insurance carrier of the temp agency. That insurance carrier could […]

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