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Ransomware Criminals Moving Steadily to Smaller Businesses to Increase Volume

By Mark Gilman / November 23, 2021 /

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

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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Fall Prevention is the Best Way to Avoid Winter Home Repair Woes

By Mark Gilman / October 11, 2021 /

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

By Mark Gilman / October 11, 2021 /

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

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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Brake Safety a Key to Keeping Your Commercial Fleet Running

By Mark Gilman / August 20, 2021 /

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

By Mark Gilman / July 29, 2021 /

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

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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