Michigan Car Insurance

Is My Car Insured For Shipt Deliveries?

February 20, 2024

Yes and No. Shipt provides some insurance, but here we will discuss the insurance you need to have for your own protection.   Personal auto insurance policies were created to provide…

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Workers Comp Insurance Audit

Workers Comp Insurance Audit Costing You More Money?

January 10, 2024

You paid for your full year of business insurance, so why are you now getting a bill, and what is an audit anyway? An audit is a process where the…

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Michigan Umbrella Liability Insurance

Personal Liability Umbrella Policy – Increasing Need In Michigan

December 21, 2023

With the recent overturn of the Open and Obvious Doctrine, the potential for claims and lawsuits against Michigan property owners has increased significantly.  The open and obvious doctrine was a…

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Rental Car Insurance Coverage

Do I Need to Buy Rental Car Insurance On Vacation?

December 7, 2023

This is one of the most frequent questions we are asked, and the answer is, it depends. Michigan auto policies provide coverage for a ‘temporary replacement vehicle’, and that coverage…

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Home Cyber Insurance

Home Cyber Liability Insurance: What Does It Cover?

November 13, 2023

Cyber attacks are common for large businesses. In 2022 alone, there were over 4,100 publicly disclosed data breaches equating to approximately 22 billion records being exposed. But what about a…

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Rising Insurance Costs in Michigan 2023

Major Inflation Impacting Your Insurance Rates

June 22, 2023

Opening your insurance renewal to see it went up 25%, 50% or even 100%? These steep increases have hit many other states in 2023 and are now being seen in…

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E-Bike Insurance

Do I Need Insurance For My E-Bike?

May 30, 2023

If your E Bike is stolen or someone is injured on it and sues you, are you properly insured?  As the E-Bike trend seems to be here to stay, a…

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Small Business Insurance

Does My Small Business Need Insurance?

May 2, 2023

Yes, even small businesses should have insurance. The type of insurance needed depends on the nature and size of your business. Here are some of the most common types of…

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Michigan Car Insurance Premiums

Why Michigan’s Auto Insurance Fees Are Increasing

April 18, 2023

  We were all thrilled to receive a $400 refund check per insured vehicle last summer, however Michigan’s Catastrophic Claims Association (MCCA), will soon be taking some of that back…

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Home Insurance Cost

Why Did My Home Insurance Premium Go Up?

March 20, 2023

Yes, home and in fact most property policies of all types are seeing an increase in insurance costs. These last two years property claims have cost insurance companies much more…

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Water Backup Insurance

Do I Need Water Backup Coverage?

March 1, 2023

Whether you have an aging sewer system, have tree roots that are blocking your septic system, or are simply experiencing higher than usual amounts of rain, water and sewage back-up…

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Michigan Uninsured Motorist Coverage

Do I Need Michigan Uninsured Motorist Coverage?

February 16, 2023

We are seeing an increase in Michigan auto policies where protection against Uninsured Motorist liability has been purchased at the lowest limits available, and protection against Underinsured Motorist has not…

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Michigan Travel Insurancd

Michigan Travel Insurance

February 9, 2023

You planned for months for your long awaited dream vacation only to have a tropical storm close the airport or simply make it too dangerous to travel. Unless you paid…

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Lyft Insurance Michigan

Lyft Car Insurance In Michigan-What You Need To Know

February 2, 2023

Yes, if you are working for either Lyft services, you need to have additional insurance that covers you while using your vehicle for business. And Yes, Lyft provides some insurance,…

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Landlord Insurance For Rental Properties

Michigan Landlord Insurance For Rental Properties

January 12, 2023

  Rental properties have become incredibly popular in Northern Michigan and here in Traverse City, there are hundreds of units being built each year for both long and short term…

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Homeowners Insurance Flood Coverage

Why Do Home Insurance Companies Deny Coverage?

November 9, 2022

It can be incredibly frustrating to purchase a home insurance policy and then be told after years of paying premiums, that your claim has been denied. In fact, for many…

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Home Business Protection Insurance

Condo Insurance Coverage

October 17, 2022

You have purchased your first condominium, and are being required by your mortgage company or your condo association to purchase insurance to protect your new condominium. First it’s important to…

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Michigan LLC Insurance

Does My LLC Need Business Insurance?

August 25, 2022

  The answer to the question of whether or not your LLC needs insurance is a resounding yes, and for many reasons that we will explain here. When you create…

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Traverse City Michigan Short Term Rental

Michigan Short Term Rental Insurance

August 11, 2022

   Over the last few years, short term rental(STR) properties have become extremely popular in and around Traverse City Michigan. Insuring them has become less costly than when they first…

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Figo Pet Insurance Traverse City

Figo Pet Insurance

August 2, 2022

Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was…

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Cheap Michigan Car Insurance

Should My Truck or Car Be Insured on a Business Auto Policy?

July 12, 2022

Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used…

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Workers Compensation Claim

Michigan Worker’s Compensation Insurance

July 5, 2022

Workers’ compensation insurance is not only a crucial factor when running a business, many times it’s required by law, according to the Michigan’s Workers’ Disability Compensation Act. Not all employers…

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Michigan Golf Cart Insurance

Gap in Michigan Home Policies for Golf Carts

July 1, 2022

Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance…

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Michigan Recreational Vehicle Insurance

Recreational Vehicle Insurance

June 10, 2022

                             Michigan Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles…

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Best Homeowners Insurance

The Michigan Catastrophic Claims Association (MCCA) Refund

March 10, 2022

Michigan’s MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to Michigan auto insurance consumers. Because the changes made by…

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Michigan Home Insurance

7 Ways To Lower The Cost Of Home Insurance

November 1, 2021

The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things…

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Commercial Umbrella Insurance

How an Umbrella Protects you From More than Just Rain

April 8, 2021

With the passage of Michigan’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (Michigan Catastrophic Claims Association) fees for all insured drivers. That…

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Personal Liability Insurance Coverage

Michigan Auto Reform Paperwork

April 8, 2021

Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the Michigan…

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Business Automobile Liability Insurance

Do I Have to Purchase Snowplow Insurance Coverage?

December 7, 2020

  As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern Michigan…

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Flood Insurance In Michigan

Flood Insurance Becoming A Necessity In Michigan?

August 13, 2020

We get it – we aren’t a ‘coastal state’, and that is why in Michigan, flood insurance isn’t talked about much; except when required by a Mortgage Company for those…

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Insurance Score

How Your Insurance Score Impacts Premiums

July 13, 2020

We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be…

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Home Business Protection Insurance

Protecting Your Michigan Rental Property

May 8, 2020

Rental homes have become quite controversial in small towns and communities here in Northern Michigan. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit;…

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Michigan No Fault Auto Insurance

Michigan No Fault Reform Law: What Does it Mean For You?

February 20, 2020

  Last summer, I wrote about the Michigan No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have…

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Personal Protection Insurance Michigan

Frozen Pipesicles

February 11, 2020

  Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern Michigan — frozen pipes. Does your home insurance cover…

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Motorcycle Insurance Policy

Who Is An Insured?

January 17, 2020

The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’…

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Chargeable Accidents

Chargeable Accidents

October 9, 2019

You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road…

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Loss of Business Income Insurance

Adulting is Hard

September 6, 2019

Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing.…

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Professional Liability Insurance Quote

Replacement Cost vs. Actual Cash Value (New for Old)

August 8, 2019

You start a load of laundry and head down the road for a neighborhood barbeque.  Upon returning, you find water all over your laundry room and into your carpeted hallway.…

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Business Automobile Liability Insurance

Full Coverage Auto Insurance

July 18, 2019

One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’.  What does that even mean?  I have been…

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Michigan Home Insurance

Home Sharing Coverage Issues

June 27, 2019

I’m still living in my home, so why do you need to know that I’m also renting it out?  Unfortunately, this seems to be a common question ‘after’ a claim,…

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Michigan Auto Insurance

Michigan Auto Insurance Reform

June 18, 2019

The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically…

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Personal Protection Insurance Michigan

You Have No Coverage

June 14, 2019

We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’…

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Professional Liability Insurance

Do I Need To Insure My Bike?

April 26, 2019

  Quiz:  Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is?  Second Question:  Are you aware that they can cost you upwards of $10,000…

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Homeowners Insurance Flood Coverage

Understanding Ordinance and Law

April 25, 2019

What is Ordinance and Law?  A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer…

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When Generations and Families Mix in the Workplace

March 15, 2019

As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled…

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Auto Insurance Agency Near Me

Storms Cause Neighborhood Storms

July 12, 2018

Once again mother nature caused some issues recently in Northern Michigan with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless…

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Business Property Insurance Quote

Divorce And Division of Property

May 30, 2018

It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for…

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Flood Insurance Online Quote

What does ‘Named Peril’ Mean?

May 15, 2018

I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times…

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Professional Liability Insurance MI

Michigan Ranked #6 for Dog Bite Claims

April 27, 2018

Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical,…

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Professional Insurance Agency

Factors YOU Control That Impact Your Auto Insurance Costs

April 19, 2018

Auto insurance rates in Michigan continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs…

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Shipt Grocery Driver Insurance

Shipt Drivers in Michigan

April 14, 2018

So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends…

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Business Interruption Coverage

Spring Toys can bring Financial Woes

March 23, 2018

As the snow leaves us here in Northern Michigan, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand…

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Michigan Rental Property Insurance

Claims on Vacant Homes Denied

January 8, 2018

You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either…

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Condo Insurance Near Me

Why Do Insurance Costs Vary So Much?

January 1, 2018

“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how…

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Should I Have High Deductibles?

December 25, 2017

  Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don’t pay much…

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Michigan Auto Insurance Company

Forms of Auto Collision Coverage in Michigan

December 18, 2017

Michigan is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits. When purchasing collision physical damage protection for your vehicles, you have 3…

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Michigan’s Auto Insurance

Michigan’s Auto Insurance Reform Defeated

December 11, 2017

Once again, the attempt to control costs of Michigan Auto Insurance has failed by a 45-63 vote earlier this month. Michigan having the highest auto insurance costs in the nation…

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Renters Insurance Traverse City MI

Does my roommate need Renters Insurance too?

December 6, 2017

In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems…

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Michigan Home Insurance

How Much Do I Insure My Home For?

November 27, 2017

You paid $165,000 for your home, but your agent here in Michigan thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We…

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Permanent Life Insurance Policy MI

Replacement Cost vs Market Value Issues

November 20, 2017

You find a major bargain for a rental property in Detroit Michigan and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in…

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Local Insurance Agents Near Me

Claims Reporting – When to Contact Your Agent

November 13, 2017

You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a…

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Reverse Trick or Treat

October 30, 2017

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Traverse City D&O Liability Insurance

Uber & Lyft have arrived in Traverse City

October 28, 2017

  So, to answer the big insurance question – it’s a flat NO – your standard Michigan auto insurance policy does NOT cover you while you are being a local…

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Business Automobile Liability Insurance

Michigan Auto – Medical Order of Priority

October 11, 2017

Michigan is often in the news about our auto insurance being the highest in the Nation. Truth! Why? – Because Michigan is the ONLY State that provides UNLIMITED medical coverage…

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Business Automobile Liability Insurance

Salvage Autos – Hurricanes, Floods, Collisions

October 6, 2017

We realize that Northern Michigan isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Michiganders end up with vehicles that come from…

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Homeowners Insurance Flood Coverage

What Michiganders can learn from Hurricane Harvey

September 29, 2017

Our hearts go out to the victims of Hurricane Harvey, especially knowing that 85% of them have no flood insurance. These people face a crushing blow to their personal finances…

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Professional Insurance Agency

You wrecked “Brad” and you want a new “Brad”

September 12, 2017

Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds,…

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Professional Insurance Company MI

College Kids – To Be… or Not to Be… On Their Own

September 7, 2017

  Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures.…

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Teen Driver Safety Tips

Teen Driver Safety Tips

August 30, 2017

Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it.  I realized this as I watched my 16-year-old taking…

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Rental Dwelling Insurance

Renters Insurance – Worth the cost of 2 Ristretto Venti Chocolate Brownie Iced Drinks?

August 24, 2017

Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them. Today’s home can have…

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client relationships cardinal-insurance

Client Relationships

August 15, 2017

Today I got the news that a long term client of mine passed away over the weekend. Every business owner gets these calls, and we empathize over the phone with…

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Why is Local Important?

Why is Local Important?

August 11, 2017

Yes Amazon is quick, convenient, and all too easy to use. My 16-year-old doesn’t understand why I prefer to purchase what I can here locally in Traverse City. Just today…

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Cover Yourself with an Umbrella

Cover Yourself with an Umbrella

April 23, 2017

An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence…

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Home Insurance – Use Your 15 Minutes Wisely

September 27, 2016

15 Minutes can save you money now, but cost you thousands later.  Oh wait, they don’t tell you that. The price gun, the lizard, the mayhem guy.  We all have seen…

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How I found passion in – of all things – an insurance career

November 4, 2015

In 1988 with just a high school diploma for credentials, I answered a newspaper ad for a receptionist at a local insurance agency. My long term goal: To work with…

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