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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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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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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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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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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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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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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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