Apart from Yuletide cheer, winter also brings difficult weather conditions like heavy snow. While a little snow can add to the festive atmosphere, too much can lead to disaster. Given recent news reports from Buffalo, New York, it appears Michigan homeowners may have it rough again this year.
According to a report posted in Michigan Live, multiple cities in Michigan experienced record volumes of snowfall for the week of November 13 to 21. Grand Rapids alone had 29 inches of snowfall during the weeklong-span, which is the most snow the city ever had for the month of November.
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One of the most satisfying purchases you can make in life would be your very own automobile. Owning a vehicle allows convenience and freedom in going from place to place within Michigan, or even out of state.
It is said, however, that nearly everyone will figure in a car accident at least once in his life. Given this, you should inform yourself about the different kinds of car insurance in Michigan, so you would know what type of coverage to get.
Michigan laws require all car owners to have No-fault insurance. This, however, generally pays only for injuries you may sustain in an accident, and not for car damages. For the latter, you would need additional coverage, and two of the most common types are comprehensive and collision.
An article in About Money discusses the differences between the two, as well as their advantages and disadvantages.
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Behind the serene beauty of a golf course lies a daunting variety of risks that you face as a golf course owner. From overturned golf carts and wayward balls hitting guests, to slippery floors and toxic pesticides, each poses a potentially significant risk that can affect your facility’s ability to remain afloat. That’s why we, as a highly dependable Michigan business insurance agency, have developed a specialty program for your golf course business.
We are offering you a number of coverage and service items to provide your business with a level of assistance that only a few in this industry can provide. These items include: insurance for golf carts, pesticides, herbicides, and the tee’s, greens and fairways; golf, swim, tennis, and banquet professional insurance; as well as coverage for maintenance equipment, storage tanks, arrant golf ball property damage, and members/guests property.
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Spilling bleach on an expensive carpet, a rouge employee stealing from the unit being cleaned, or an accident that totals your company vehicle loaded with expensive cleaning materials–all trades come with risks, and the janitorial industry is no different. Commercial Cleaning Insurance is critical in ensuring that both your business and your clients are protected from any untoward incidents that may happen on the job. Depending on your specialization, it is important to go over your options with a trusted business insurance agent to arrive at an insurance program that is right for you.
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An important part of your personal insurance program should protect you from unforeseen catastrophic events. Accidents involving common, everyday activities may result in a worst-case scenario. Being held legally liable for injury to another person or damage to their property could exhaust your home or personal auto policy liability limits, and cause financial ruin to your family. A personal umbrella policy works hand in hand with your existing Michigan home insurance and Michigan auto insurance policies, adding an additional layer of liability to help protect you in today’s litigious society.
A personal umbrella liability policy offers vital coverage benefits, and for a relatively inexpensive premium compared to the amount of coverage purchased. Premiums for a $1,000,0000 umbrella policy range from $175 – 275 annually. You can talk to our friendly personal lines agents today to find out how a personal umbrella allows you to obtain:
- protection for claims for losses not covered by an underlying policy
- worldwide coverage
- coverage for libel, slander, defamation or invasion of privacy
- coverage for loss of earnings while settling a claim
- rental car, special events and liquor liability coverage
We highly recommend that you review your insurance plan regularly and to contact your insurance agent at minimum annually about coverage recommendations.
An umbrella liability policy is especially appropriate when you have certain exposures:
- Is there a potential hazard in your backyard? Swimming pools, trampolines and other meant-to-be-fun gear can cause serious injuries.
- Do you own a pet? When left unattended or without adequate safety controls, some pets become scared and aggressive. You could be held liable if your pet bites a neighbor or passer-by.
- Are there any young drivers in the family? Inexperienced drivers are at higher risk of being involved in auto accidents.
- Do you own a boat? Lawsuits can result from all sorts of water-related accidents, such as skiers being towed from your boat or from another boat. Improper and unsafe personal watercraft use accounts for most watercraft liability accidents.
- Do you have adequate auto insurance liability limits? Most standard auto policies insure you, your resident family members and those who use your car with permission. The possibility of a serious loss – and the need for umbrella coverage – is there.
These are just a few situations where you could be held responsible for claims for loss that exceed the liability limits provided by your personal auto or homeowner policy. A personal umbrella liability policy protects your family and financial assets and can make the difference in your ability to meet your responsibility to reimburse others for their injury or damage.
To speak to a one of our professional insurance agents please contact us today! Allied Insurance Managers, Inc. (248) 853-0930
