Umbrella Liability insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home, or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating…
Design Professional’s Common Contract Insurability Issues Below are a couple of the common insurability issues that are raised during the Contract Review process. Cost Estimates Clients rely heavily upon estimates provided by Design Professionals when budgeting for projects, but no…
Fiduciary Liability Coverage Why you and your organization need protection – If your company sponsors a retirement or health plan for its employees and you are involved in any way with the management of that plan, you are likely considered…
Directors & Officers Insurance – Why? Your organization’s assets and the personal assets of its directors and officers are at risk with every decision you make, every day. Directors and officers (D&O) liability insurance protects the personal assets of corporate…
Does car insurance cover pets? It depends. While pet coverage is readily available by some car insurance companies, it’s not always a given — some insurers automatically include coverage for your pet if it happens to be injured in a…
AUTO NO-FAULT REFORM QUICK FACTS The following information is provided on behalf of the Michigan Department of Insurance and Financial Services. When Does the New Law Take Effect? The law currently requires you to carry unlimited medical coverage to pay…
Third-Party Vendor Problems Third-Party data breaches are becoming the normal. Partnering with a third party often requires sharing confidential and sensitive information. Too often, cyber security is ignored when companies are looking to secure business relationships. It is important to…
While costly and dangerous, data breaches aren’t the biggest threat to businesses from hackers on the radar for this year. The first half of this year alone has seen an uptick in the frequency and severity of attacks that have…
Mitigating Indoor Weather Risks Throughout the year, severe weather nationwide creates hazards that can prove costly for retailers and other businesses. Slip and fall claims accounted for almost 30,000 injuries in 2016. These affect both customers and employees. Slip and…
Climate Change – Risk to Michigan Properties In the last 30 years, Michigan’s average temperature has increased by less than 2 degrees. However, that’s enough to cause changes that affect Michigan policy holders in negative ways. The GLISA confirms that…