Though floods are the most expected source for water damage, your home can have the same problem if your toilet or sewer backs up.
Water damage can do a lot of destruction on your home. Water can warp the wood in your floor and walls; this can weaken the structural foundation of your home. In addition, if improperly dried, the remaining moisture from water damage can encourage mold growth, a health threat in the home. Finally, bacteria are often part and parcel of any water damage, as dirty water has a lot of microorganisms. Repairing all of this damage is reason enough to get Michigan home insurance. Continue reading…
As a business owner, you might find a sense of relief knowing that your business’s future is secure even in the wake of disaster. While there are many types of insurance for businesses, most entrepreneurs tend to overlook one type that can potentially save you a load of heartache in times of unforeseen circumstances: business interruption insurance. Having business interruption insurance means lost income will be covered if ever events such as fire, storms or hurricanes interrupt your business. As with all types of insurance, not everything is black and white, so you will need the help of an experienced business insurance agent to understand coverage. Continue reading…
At Allied Insurance Managers, Inc. are happy to announce that we are adding even more options to our arsenal of Michigan business insurance policies. Specifically, we’re talking about the highly specialized insurance programs for companies in the Senior Care Industry that our valued clients can now enjoy. You can check further details at the newly created “Independent, Senior, and Assisted Living Insurance Programs” page. Continue reading…
Allied Insurance Managers, Inc., a Michigan auto insurance company, offers its new Fleet Safety program to provide a safer work environment on the road, thus reducing the risk of vehicular accidents and work-related fatalities. As the business partner of many businesses, our firm knows that the safety of your products and your workers are the highest priority. Continue reading…
Most breweries, wineries or distilleries offer tours and a tasting room where guests can enjoy a sample of the product or purchase drinks made on-site. With this offering comes a new set of exposures than a typical beverage manufacturer would have to deal with. If you own a brewery, distillery or winery be sure to closely evaluate your operation to ensure visitor safety.
Tours are a terrific way to grow interest in your business, help guests understand how the product is made and further engage them in your craft. Use caution when creating your facility tour to ensure guest safety.
Here are some items to consider when planning your tour route, tasting room or taproom space:
- Use nonskid flooring as much as you can, and clean up any spills as quickly as possible.
- Try to utilize level flooring areas to avoid falls, if there are changes in elevation, make sure all steps are marked and well lit.
- Be sure that all handrails are secured, that stair treads are properly installed and that carpeting is secured and free of tears.
- Inspect the walkways around the exterior of the establishment (including parking areas) and outdoor gathering areas to confirm they are in good condition and well lit.
- Use surveillance cameras when possible.
- Try to assign guides for all tours, and train them in safety procedures.
- Limit the number of guests per tour.
- Warn guests to keep a safe distance from operational traffic, moving machinery and hot surfaces.
- It is recommended to not permit guests to carry food or beverages with them during the tour.
- Post warnings and liability disclaimers at the tour site and on your website to assure visitors understand potential physical and operational hazards.
- Provide safety gear, such as safety glasses or hearing protection if necessary.
- Be sure to follow any state or local safety regulations or health restrictions, including occupancy restrictions for fire evacuation.
The goodwill you can earn from allowing visitors to learn the process and taste the product can result in great dividends for breweries, distilleries and wineries. Be sure to take the simple steps toward protecting your operations.
As an owner of a winery, you know that producing fine wines is more than just growing grapes and putting it in a bottle. Aside from time, skill, and creativity, other components like staffing and management play their own roles in crafting an excellent wine. Whether your winery is family-owned or a corporation, it is important to anticipate risks and choose the right business insurance in Michigan and we can help you with customized features to meet the unique needs of your operation.
Construction is considered to be one of the most dangerous industries in the world. Scaling tall buildings, utilizing tools that could cause injury if handled improperly, and operating heavy machinery all make construction a very risky environment that puts both the workers and the property at risk. Property damage and employee accidents are all too common at construction sites. In fact, Forbes.com lists construction work as one of the deadliest jobs in America. According to their article, there were 210 fatalities that occurred last 2012, accruing a relatively high fatality rate of 17.4%.
A vandalized car does not paint a pretty picture. Having someone intentionally damage your vehicle can be frustrating at the very least. Vandalism may be punishable by law in the state of Michigan but that doesn’t stop some people from maliciously defacing someone else’s property.