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Do you have enough personal liability coverage?

It’s finally here. Your long anticipated group ride on your bicycle.  You get out your map and review the route, and go over your safety checklist before hitting the road. You’ve got everything you need. The group begins to strap on their helmets, but you can’t stop thinking that you’ve forgotten something.  You know the […]

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Why do we want the BEST of everything, except insurance?

As insurance advisors, we are given insurance proposals received by our clients from other insurance agents that have a lower premium than what our client is currently paying. Our client is impressed by the lower premium and wants to make a change. It constantly amazes me that those same insurance buyers take a far different […]

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Changing insurance companies? GOTCHA!

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The Three Deadly Property Sins

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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What do you know about a proof of loss document?

A recent Michigan Court of Appeals decision illustrates the importance of the timely filing of a sworn proof of loss document with the insurer following a covered property loss. Every commercial property policy and homeowners policy has as a condition that the insured sign and file a sworn statement in proof of loss usually no […]

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Jumping For Joy?…I Think Not!

What child doesn’t enjoy jumping on a trampoline?  I know if my children find out we are going to a house where there is a trampoline, I don’t have to ask them to get in the car, they’ve  already buckled themselves in!  But insurance companies don’t feel the same way.  They consider trampolines to be […]

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Cash is King

Top 10 ways to reduce insurance costs Dollars are precious. As many businesses continue to fight for survival and plan for the future, insurance premiums are just one expense that must be scrutinized.  Here are some of the ways that organizations can reduce their insurance costs while maintaining an appropriate level of coverage. 1.  Only […]

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Tenant Trouble

Is your business moving?  If you plan to lease from a landlord, you need to be aware of the risks associated with your lease.  Our job is to review the risk of loss provisions of leases from a tenant’s standpoint.  You may have more liability than you think! Landlords have less of a problem with defective […]

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Coinsurance Explained

Finally! An easy way to understand coinsurance. Most policyholders are surprised to learn that their property insurance policies contain coinsurance clauses. A simple way to determine if your policy includes such a provision is by looking for a percentage, such as 80%, 90% or 100%, next to the limit for building, personal property or business […]

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Management Practices “GOTCHA”

Your company was sued because a supervisor was sexually harassing an employee.  Under your general liability policy, coverage was denied. How did this happen? You were not aware that this claim is excluded by the commercial general liability policy. How can you prevent this from happening to you? You need Employment Practices Liability coverage for […]

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