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Terrorists Coverage: Does my policy now exclude it?
Most insurance companies have listed exclusions in their policy for terrorism due to the September 11th, 2001 tragedy. However, coverage is available when added by endorsement to the policy. An additional premium charge will apply. To find out if your company has excluded terrorism on your policy, and what the rate is to add coverage […]
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Workers Compensation: What do I do if my employee is injured?
Michigan law requires that employers fill out a Form 100 when an employee is hurt within 24 hours of the injury. When completed, please fax to our agency. If you do not have a Form 100, please contact our office immediately.
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Life Insurance: How much do you need?
Life insurance needs can vary drastically for individuals and families. Our agents will meet with you and take the time needed in order to complete an extensive life insurance needs analysis designed especially for you, or your family. Our agency represents several highly rated, financially sound life insurance companies in order to meet your life […]
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Umbrella Liability
Why have it? What is it? Who needs it? Skyrocketing court settlements and medical costs can cause uneasy feelings about the adequacy of insurance protection. Liability insurance pays for injuries to others due to negligent acts by you or another covered person on your policy. Although the liability insurance provided under a home or auto […]
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Long Term Care Protection
With costs approaching and frequently exceeding $30,000 annually, this is an area of concern to all, especially those who have been successful in accumulating significant assets. Extensive planning is often done to conserve these assets and protect them from high estate taxes. It is equally important to consider the effect a long-term stay in a […]
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Money Saving Tips
Controlling household expenses is something we all try to do. We want to help you reduce your home insurance costs when possible. Here are some points to consider: Smoke alarms. Check your policy or contact us to see that you are receiving a discount. If you don’t have alarms, get them. Not just for the […]
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Your Home Business: Know Coverage
Test your knowledge of your homeowners insurance: Are you covered? While caring for a child for a fee, the child is injured in your home. The parents expect you to cover the hospital bills. You replace your friend’s car brakes for a “few bucks” and the car is damaged or your friend is hurt in […]
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Earthquake, Flood and Sewer Back-up
It is a good idea to review some optional coverages you may wish to add to your current homeowners policy. Flood insurance as well as the sewer back-up and earthquake endorsements are worth a brief examination. Flood – Since flood damage is excluded under your homeowners coverage, you should be aware that flood insurance is […]
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Insurance Fraud
Be a Fraud Buster! Fraudulent insurance claims cost us all money. 800#s are available for reporting information concerning fraudulent insurance claims. The caller’s identity is kept confidential and an individual may talk with a trained investigator or leave information anonymously on a telephone answering machine. Funds spent on fraud detection are a good investment. According […]
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Uninsured Motorist Property Damage Coverage
It is estimated that one out of every 20 motorists is driving uninsured. Although this figure represents only 5% of today’s drivers, uninsured motorists are responsible for approximately 13% of all auto accidents. If you become involved in an accident with an at-fault driver of an uninsured motor vehicle there are coverage options available to […]
