Arnouts Insurance Agency Blog
All You Ever Wanted to Know About Insurance
Care, Custody or Control Within Commercial Liability Insurance
Tuesday, June 24, 2025
The "Care, Custody, or Control (CCC)" exclusion is a standard provision found in most Commercial General Liability (CGL) insurance policies. It's often misunderstood, leading businesses to believe they have coverage for...
Insurance for 1st Time Home Buyers - What to Know
Friday, May 23, 2025
A First-Time Homebuyer’s Guide to Home Insurance: What to Know Before You Close - Buying your first home is an exciting milestone-but it also comes with a steep learning curve, especially when it comes to home insurance....
Service Line Insurance in Michigan - Protect Your Hidden Utilities.
Friday, September 6, 2024
Understanding the Importance of Service Line Insurance in Michigan Michigan homeowners face unique challenges due to varying weather conditions and the age of many homes. This makes service line insurance particularly...
Ordinance Law Insurance and Coverage: Is It Necessary?
Tuesday, July 30, 2024
Ordinance or law insurance coverage is an optional add-on to your homeowners insurance policy that can be crucial in certain situations. This insurance coverage helps pay for the increased costs to rebuild your home if...
Home Cyber Insurance: Your Digital Shield in a Connected World
Wednesday, February 14, 2024
Our homes are no longer just bricks and mortar – they're digital ecosystems bustling with connected devices, online accounts, and precious personal information. This interconnectedness, while convenient, also exposes us...
A Guide to Water Backup Insurance
Friday, January 26, 2024
Water Backup is an often over looked coverage. The coverage shields against the financial devastation caused by water backing up from sewers, drains, or sump pump failures. Why You Need It: Standard homeowners insurance...
Cyber Liability Insurance vs Cyber Crime Insurance
Monday, August 28, 2023
Cyber liability coverage insurance and Cyber Crime insurance are both types of insurance that can protect businesses from the financial losses that can result from a cyberattack. However, there are some key differences...
Alternate Employer Endorsement For Workers Compensation Policies
Thursday, July 27, 2023
The Alternate Employer Endorsement (AEE) is an endorsement added to a workers compensation policy that provides an entity scheduled as an alternate employer with primary Workers Compensation and Employers Liability...
New Distracted Driving Law in Michigan
Thursday, July 27, 2023
The state of Michigan has a hands-free distracted driving law that went into effect on June 30, 2023. The law prohibits drivers from holding or using a mobile electronic device while operating a motor vehicle. This...
Mini-Tort in Michigan - What Is It?
Thursday, May 4, 2023
Mini-tort also known as limited property damage is a coverage that pays your loss or $3000, whatever is less. Please note that “your loss” does not mean how much damage to your car was done, but how much you have to pay....