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  We collaborate closely to craft the ideal mix of extra protections, ensuring your enterprise is shielded against numerous complex risks in your field.
  
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  Professional Liability
  Policies designed to provide coverage for defense costs and damages due to claims of damage or injury arising out of the negligent performance of services (errors and omissions), the breach of the ‘standard of care’.
  
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  Business Owners Coverage
  Commercial Package Policies and Business Owners policies are Insurance policies that combine protection from all major property and liability risks in one package.
  
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  Workers Compensation
  Required in most states to pay benefits to workers injured on the job. It protects the employees from incurring medical debt or loss of wages due to an on the job injury.
  
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  Cyber Liability Coverage
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  Employment Practices Liability
  Commercial Inland Marine / Equipment Floaters
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  Crime / Fiduciary Coverage
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- Personal Insurance
  (Michigan Only)
  As an independent insurance agency, we offer a wide range of Personal Lines Insurance options from various carriers.
  
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  Homeowners
  A standard Homeowners policy will provide the appropriate dwelling and personal property coverage.
  
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  Automobile
  Automobile insurance is designed to protect you and your owned vehicles from physical damage, as well as liability claims.
  
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  Umbrella
  A personal umbrella policy ensures your family has the protection you need in case the unforeseeable happens.
  
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  Recreational Vehicles
  There are different policies designed to properly insure your specific watercraft or recreational vehicle insurance needs.
  
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limitation of liability

GREAT AMERICAN 2023 RESOLUTION CHALLENGE TAKE 2: A BETTER CO…

Insurance, Risk Management

April 10, 2023

A BETTER CONTRACT Drink more water. Spend less money. Establish an exercise regimen. We all made these cliched New Year’s resolutions to better ourselves as we entered the new year…

CONTRACT WISH LIST FOR DESIGN PROFESSIONALS – PART III

January 3, 2023

CONTRACT WISH LIST FOR DESIGN PROFESSIONALS – PART III This is Part III in a series discussing risk and liability mitigating terms and conditions that are beneficial to seek to…

Contract Wish List For Design Professionals – Part 1

October 17, 2022

Contract Wish List For Design Professionals – Part 1 It is not news to any design professional insured that their contract for services is linked inseparably with their exposure to…

Saved By the Contract

Case Studies, Insurance

August 13, 2018

The Facts Acme Engineers was hired by Perfect Paperz to provide a feasibility study and engineering report for the company’s wastewater treatment plant at its nearby paper recycling mill. After…

Limitation of Liability

May 2, 2016

Limitation of Liability Limitation of Liability is a contractual provision that caps the amount of liability one party to the contract may have to the other party. Frequently used to equalize…