Buying Insurance

Deciding Not to Have Business Auto Insurance is a Risky Gamble

By Mark Gilman / December 21, 2021 /

Small Businesses who elect not to purchase commercial auto insurance are more at risk in the event of an auto accident if they are relying solely on their personal auto insurance. The most significant difference between a large and small business in this category of insurance is an independently owned business potential will not survive…

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In a Litigious Society Business Umbrella Insurance is a Necessity

By Mark Gilman / November 10, 2021 /

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

By Mark Gilman / October 19, 2021 /

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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Why Customers with Substantial Assets Need an Independent Insurance Agency

By Mark Gilman / September 15, 2021 /

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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The Pandemic has Made Personal Travel Insurance a Necessity, Not an Option

By Mark Gilman / July 28, 2021 /

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

By Jared / December 18, 2020 /

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

By Jared / December 18, 2020 /

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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