Archive by Author

Introducing our new partnership with ID RESOLUTION for identity protection!

The annual cost is $108 per person, per year.  Individuals can enroll directly with ID Resolution at our personaized website:   ID Resolution – Personal Identity Protection Program. As always, please do not hesitate to reach out to us if you have any questions or would like more information on the program.  We are here to […]

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What’s the difference between air travel and insurance policies? Nothing!

Traveling by a scheduled airline will typically not be a pleasurable experience, especially when it removes you from the seat you paid for (or worse). When this happens, an airline will refer to the fine print of its Contract of Carriage. One major airline has 37,000 words in a 56-page document, but I do not […]

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The Trend Towards Legalizing Marijuana Raises Legal Issues for Employers

The Trend Towards Legalizing Marijuana Raises Legal Issues for Employers February 23, 2017 The legalization of marijuana has gone from a pipe dream (sorry) to reality for some states in recent years. Employers, especially those with workers in different states, should be aware of the new legal ramifications for a social and political issue that […]

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Pallet Central Leased Employee Article

Dennis Bilancia and Molly Green just published a new article in Pallet Central Magazine from the National Wood Pallet and Container Association (NWPCA) To read the full article click here: Leased Employees

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Crime Coverage

We recently published an article in Pallet Central Magazine for the National Wood Pallet & Container Association (NWPCA) on Crime Coverage describing the differences between a loss sustained form and a loss discovered form. Take a look! Crime Policy Article

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We are a private corporation so we don’t need Directors & Officers liability insurance right??

Many privately owned corporations are under the impression that they do not need Directors and Officers Liability insurance for a host of reasons, including: There is no significant risk to justify purchasing a policy. The bylaws provide that Directors and Officers are to be indemnified for losses so they do not have a personal exposure. […]

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Are you liable for your child’s actions?

Many clients want to know if they are liable for the acts of their children.  Let’s explain the various exposures related to parental liability as well as the  grounds  on  which  such  claims  can  be brought. Parents can be held liable for the acts of their children based of statutes, common law, or contractual agreements. […]

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Protective Safeguards Clauses

Protective Safeguard Clauses DO NOT BE FOOLED. THE POLICYHOLDER IS NOT THE ONE BEING PROTECTED BY A “PROTECTIVE SAFEGUARDS PROVISION” AND IT COULD COST YOU MILLIONS OF DOLLARS IN UNCOVERED LOSSES. A protective safeguards provision allows the insurance company to deny coverage if certain conditions are not satisfied at the time of loss. For example, […]

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Teenage Driver? Should you title the vehicle in your child’s name?

ISSUES ON OWNING, LEASING OR TITLING A VEHICLE IN YOUR TEENAGE CHILD’S NAME Under Michigan’s Owner Liability Statute1 (the “ownership statute”), the owner of a motor vehicle is automatically liable for any injury caused by the  negligent operation of that motor vehicle. For parents who own vehicles driven by teenage drivers, this statute imposes a […]

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Navy Seals and Insurance

When the Navy Seals got Osama bin Laden, they didn’t succeed because they acquired competence during that event. The Navy Seals succeeded because they trained, practiced, planned, coordinated, and made errors well before the event so that their competence would pay off during the event, not afterward. We all learn lessons from almost every claim […]

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