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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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AN UMBRELLA IS NOT AN UMBRELLA

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 […]

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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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You could lose it all!

  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 […]

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Is that auto discount worth it?

Automakers offer attractive discounts to employees, vendors, related parties, etc. In order to take advantage of these discounts, the automobile needs to be purchased or leased in a qualifying name. The qualifying person will often allow relatives or others to have the regular use of these vehicles. There are some major disadvantages to allowing your […]

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Critical considerations for businesses

 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 lessons […]

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The Three Deadly Sins of Property Insurance

Our furnace malfunctioned last week causing smoke damage to our building, machinery and inventory. We already paid our deductible, but now the insurance company is telling us that they will only pay for one- half of the damages.  My building burned down last month, but now the insurance company refuses to pay for the fire […]

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Customer Security

Our business is located in a high crime area. Are we obligated to provide security for our customers? If our company hires a security guard service, have we assumed an obligation to provide security to anyone who enters our property? There have been a number of armed robberies in a nearby  parking  lot.  Are  we […]

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