Insurance Resources

Preventive Fireplace and Woodstove Maintenance Crucial to Protect Your Home Before You Light a Winter Fire

There’s nothing more comfortable and beautiful in a home during a Michigan winter than a roaring fireplace and the heat of a wood stove.  But without regular maintenance, that comfort could turn into a life-threatening hazard, not only for your family home but also your vacation home.   “If you work with us on your home…
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Ransomware Criminals Moving Steadily to Smaller Businesses to Increase Volume

Ransomware actors shifted to more “mid-game hunting” in the third quarter (Q3) of 2021, resulting in fewer large ransom payments and lower payments made by middle-market organizations, according to recent data from Coveware, an incident response and ransomware negotiation firm. The average ransom payment amount stayed around the same level between the second quarter (Q2)…
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In a Litigious Society Business Umbrella Insurance is a Necessity

Umbrella Insurance for Your Business and Peace of Mind In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation in the marketplace. To assist with the…
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Cybercriminals Target Businesses Big and Small – Be Protected

Keeping workplace technology up and running is vital to any organization’s success. While this task seems feasible, it’s growing more difficult each year as cybercriminals expand their reach. It’s no longer enough to protect workplace technology with only software and security protocols. It’s critical for organizations to educate themselves on and protect against cyber exposures…
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Fall Prevention is the Best Way to Avoid Winter Home Repair Woes

There’s no better time than Fall to catch up on some home maintenance and get ready for seasonal weather (yep, Winter) that can damage your home.  When it comes to Michigan winters, routine prevention can save you a lot of money in the long run.
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Renters Need to Take Advantage of the Benefits of a Personal Umbrella Policy

We spend a lot of time educating our homeowner clients about the importance of umbrella policies, but did you know that it’s an excellent option for renters as well?  More U.S. households are currently renting their domiciles than at any point since 1965. For many, the benefits of renting include fewer maintenance costs and repairs,…
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Why Customers with Substantial Assets Need an Independent Insurance Agency

Clients with substantial assets are represented by our community’s established professionals and business owners. They often drive luxury autos (especially in Michigan) and likely own specialty vehicles, such as boats or motorhomes. But one thing is clear — because of their assets and income, they need high limits of liability and an umbrella policy. With…
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Brake Safety a Key to Keeping Your Commercial Fleet Running

Whether you’re driving an 18-wheel rig or have a commercial fleet of 2 or 20, — you cannot avoid regular brake maintenance on your vehicle. It’s so important to ensure you’ve performed regular brake system maintenance in your commercial motor vehicle (CMVs) fleet. “Brake maintenance should never be an afterthought for a commercial or even…
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Reeling Multi-Family Real Estate Owners Now Have Rising Insurance Premiums to Add to their COVID-related Financial Angst

It’s been a rough year and a half for multifamily real estate owners and you only have to point to one reason to encompass all the financial pain experienced by these landlords—COVID. Eviction moratoriums have been extended again to at least October. Even with rental assistance provided by the federal government and the state of…
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The Pandemic has Made Personal Travel Insurance a Necessity, Not an Option

The global pandemic has caused chaos in the travel industry.  Travel for a time ground to a halt and people scrambled to get refunds from canceled flights, hotels, and cruise lines. The hardest part was filing for claims from travel insurance. But beyond those lost costs, there has been a lot of lessons learned from…
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Your Company Needs to Review Your Ransomware Prevention

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 government is urging businesses to take this…
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There’s No Debate: If You Have an RV, you Need to Call us to Make Sure it’s Properly Insured

Whether you have a pop-up, a pull behind or a full recreational vehicle (RV) 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 has ever owned an RV or motorhome for any length of time knows that stuff happens.…
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Why Do I Need Boat Insurance?

It’s Time to Hit the Lakes but Do I Really Need Watercraft Insurance?  It’s that time again when Michiganders do what Michiganders do, head for their favorite lake.  Only California ranks ahead of the more than a million boats put in the nearly 11,000 lakes in Michigan.  But if you’re asking the question “should I…
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Michigan no fault insurance

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

Michigan’s no-fault insurance reform has been in effect 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’re new to the state or have just let your insurance agent (preferably, here at Autumn Insurance) handle the…
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delivery driver

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

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…
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woman using calculator

How Much Life Insurance Do I Need?

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…
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How Do You Know if Your Need Short or Long-Term Disability Insurance?

What is short term disability insurance? Short term disability insurance provides income replacement should you become disabled on a short-term basis. What qualifies for short term disability? Many conditions may qualify you for short term disability. Commons causes for short term disability claims include: Maternity Muscle injuries Back & knee pain Mental health issues Fractures…
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Setting Up Health Insurance for Your Business & Employees

Am I required to provide health insurance to my employees? It depends on the size of your company. Groups under 50 are not legally required to provide health insurance, but there are many reasons that small businesses would want to provide insurance plans to their employees. Once a business reaches 50 employees, it is required…
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Building better relationships.

Any agent can sell insurance. But it takes a true, caring professional to invest time getting to know you. Our experts will design a personalized, long-term program. Then we continually monitor it. We stay involved so you have the freedom to focus on your family, your business, and your future.
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Crafting better coverage.

Insurance can be complicated. But you don’t have to go it alone. As independent agents, we work for you and with you. We’ll compare plans from 25 top carriers. Then give you the freedom to choose the best way to protect your assets, manage your risks, and achieve your goals.
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Referral driven. That’s us.

And it makes every member of our team work harder, longer, and smarter than the other guys. Instead of advertising, we rely on smiling, happy clients referring us to friends, family and co-workers. Which doesn’t happen if we don’t deliver excellence.
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Because finding the right answers before you have a loss is the smart move.

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