Curt Rager, CPCU

How To Avoid Commercial Truck Brake Failures In Your Fleet

By Curt Rager, CPCU / August 20, 2021 /

A commercial truck brake failure could be catastrophic. Brake systems that work properly are critical for commercial vehicle safety. The good news is that there are some things you can do to decrease the risk.

How Independent Insurance Agencies Help Multi-Family Real Estate Owners

By Curt Rager, CPCU / July 29, 2021 /

It’s been a rough couple of years for multi-family real estate owners. The pandemic is causing a lot of the financial pain that landlords in Michigan are experiencing. But partnering with an independent insurance agency can take some of the pressure off.

Travel Insurance: Covid Made It A Necessity

By Curt Rager, CPCU / July 28, 2021 /

Before the pandemic, you probably didn’t think too much about personal travel insurance. Covid changed all of that. The global pandemic continues to cause chaos in the travel industry. So, it’s important to put together a plan that will protect you and your family on any trip.

Why Your Company Should Review Its Ransomware Protection

By Curt Rager, CPCU / July 12, 2021 /

Ransomware protection should never be an afterthought. In a recent letter addressed to corporate executives and business leaders, the White House emphasized that bolstering the nation’s resilience against cyberattacks is a main priority for President Joe Biden’s administration. Specifically, as ransomware attacks continue to rise in both cost and frequency throughout the country, the federal…

How Much Is RV Insurance In Michigan?

By Curt Rager, CPCU / May 31, 2021 /

If you live to travel the open road in your RV, then RV insurance is a necessity. Whether you have a pop-up, a pull behind, or a full recreational vehicle rig, there’s no time like now to load up the family or take a romantic drive to a state or national park.  But anyone who…

Is Boat Insurance Required In Michigan?

By Curt Rager, CPCU / April 28, 2021 /

If you’re asking the question “Is boat insurance required in Michigan?”, you’re asking the wrong question. The question isn’t “if,” it’s “which” insurance should you get for your watercraft?   Why? Only California ranks ahead of us when it comes to boating. There are more than a million boats put in the nearly 11,000 lakes in…

Michigan No-Fault Insurance is Not an Excuse to Make Dangerous Choices

By Curt Rager, CPCU / April 6, 2021 /

Michigan no-fault insurance is nothing new. It’s been around since July 2020, and there is still a lot of confusion as to whether its cost savings are worth the risk of lowering your Personal Injury Protection (PIP). 

If You Use Your Vehicle for Business, Look into a Commercial Insurance Policy

By Curt Rager, CPCU / February 9, 2021 /

Who Needs Commercial Car Insurance? Commercial car insurance, also known as business auto insurance, is coverage for a vehicle used by a business. It protects companies in case of a car accident involving a company vehicle or an employee traveling for official company business. If you haven’t looked into this type of policy and discussed…

How Much Life Insurance Do I Need?

By Curt Rager, CPCU / February 2, 2021 /

What Is Life Insurance? Life insurance protects the people you leave behind. It’s an insurance policy that pays a certain amount of money for your loved ones’ anticipated expenses after you pass away. How much life insurance you need depends on what you hope to cover for your loved ones after you’re gone. Some people…

Comparing Short-Term Disability Vs. Long-Term Disability Insurance

By Curt Rager, CPCU / December 18, 2020 /

If you’re weighing the prospects of short-term disability vs long-term disability insurance, it can be difficult. There are a lot of factors to consider. So, let’s take a look at what each of them offers, so you can make the right choice. What Is Short-Term Disability Insurance? Short-term disability insurance provides income replacement should you…