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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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25 Critical Considerations In Business Property Insurance Programs

This Special Report was written by Kenneth R. Hale, J.D., CPCU, AAI, LIC of Marsh & McLennan Agency LLC. Mr. Ken Hale can be contacted at 734-525-2412 or More Special Reports are available at   Over the past 41 years as insurance coverage attorneys, expert witnesses in property insurance claims, and insurance agents, […]

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When it comes to reporting lawsuits or injuries, if you snooze…YOU LOSE!

What do the following have in common? Your receipt of a subpoena and a Complaint in a lawsuit that has been filed against you Your receipt of a letter or a Complaint from the Equal Employment Opportunities Commission (EEOC) A letter from an attorney indicating that a claim has been made by another person against […]

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Congratulations Kelly Sparks, CIC, CISR, AAI, AIS 2015 National Outstanding CSR of the Year Award Finalist!

We are proud to announce that Kelly Sparks, CIC, CISR, AAI, AIS from our Livonia Property & Casualty office has been chosen from a particularly competitive field of applicants as one of the four national finalists for the 2015 National Outstanding CSR of the Year Award! Earlier this year Kelly was also recognized as Michigan’s […]

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Concealment, Misrepresentation and Fraud….Is it ok to stretch the truth?

My 18-year-old son lives in my basement. Last year he was convicted of DUI. Since he won’t be driving my car, do I have to list him on the insurance application? Do I have to disclose to the insurance company that my property is vacant? My daughter just turned 16 years old. She only drives […]

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Marsh & McLennan Agency

Who is filling out your insurance application and is it accurate?

My agent completed an application that was not accurate or complete, and the insurance company denied my claim based on misrepresentation. I never saw the application.  Inaccurate applications can cause a coverage denial later. For example, if you said that the building was 70% occupied and it was actually 70% vacant, you will have […]

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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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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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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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