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…

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…

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…

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…

                             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…

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…

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…

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’…

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.…

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’…

  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…

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…

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…

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…

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…

“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…

  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…

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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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…

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…

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…

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…