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...

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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...

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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...

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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...

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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...

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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....

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As more electric vehicles begin to hit the road and increase in popularity, they bring with them lots of curiosity. One of these items is how to best protect your electric vehicle? Is insurance in the state of Michigan...

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When a General Liability, Garage Liability or Workers’ Compensation policy is put in force the premium is calculated based on estimated payroll/employees, gross sales, etc. The point of this is that some type of metric...

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January and February are two of the busiest months of the year for engagements and wedding planning. As you plan your big day, there are many details to keep in mind. One of them should be your liability for family or...

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As summer comes to a close in Mid Michigan and the kids head back to school, it means that fall and cooler weather is here. As a homeowner in the Lansing area, you know you need to prepare your home for the change in...

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Homeowners Insurance after Cancellation or Non-Renewal Solution for High Risk Homes It’s the middle of the night during a thunderstorm in May and all of a sudden, the power goes out. You think nothing of it until the...

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As cold as the Michigan winter weather is right now weather, we know that these days shall pass. And once they do, it will hopefully mean time to get back the warmer way of life in Michigan. Part of this means the...

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When no-fault reform was signed into law, the Order of Priority for PIP claims has changed. In addition, claims sent to the Michigan Assigned Claims Plan (MACP) no longer have unlimited PIP. An injured person now...

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Scheduled personal property coverage is an optional endorsement you can use when the personal items exceed the personal property limits on a standard home policy. This of course leads to the common question “What...

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In the chaos of this year 2021 there certainly are several reasons to go down to your wine cellar and uncork a rare bottle that you’ve been saving. Maybe your collection is only a single rack of a rare Bordeaux or maybe...

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In Michigan, winter is never far away. We are either in the 5 to 6 months of winter weather, or we are getting prepared for it! Snow and icy and conditions can easily start occuring in October (there were just ice...

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As much as we enjoy summers and early fall in Michigan, the reality is that winter is always coming. For most cottage owners across Michigan, we take the fall as a time to enjoy the fall colors and fall activities, but...

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