2017 Agency of the Year by Accident Fund of America
Congratulations To Marsh & McLennan Agency Livonia, Michigan for Being Named by Accident Fund Insurance Company of America, 2017 Agency of the Year!
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 […]
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 […]
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 […]
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. […]
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 […]
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 […]
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 […]
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 […]
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 […]