Pool Safety 101 

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A family practicing pool safety and enjoying the summer.

Are you looking to escape the summer heat? Then, jump into this refreshing pool—but first, look over these pool safety recommendations. 

Do Not Leave Children Unaccompanied 

Whether swimming in a public pool or one in your backyard, never leave children unaccompanied. Drowning is a leading cause of death in children and is the second leading cause of accidental injury. 

Fast action could mean the difference between mild injury and more severe consequences. 

Swim Lessons 

Do your children know how to swim? When was the last time you took a refresher course? 

Learning different swimming techniques can be a fun activity—and can be lifesaving. In addition, swimming lessons can increase confidence and the ability to navigate water safely. 

Unsure where to find swim classes in your area? The Red Cross offers swimming lessons for kids and adults throughout the country. 

CPR Certification 

Knowing CPR could mean the difference between life and death. If you have a pool, at least one person in your household should be CPR certified. 

Do you want to become certified in CPR? The Red Cross can help. 

Fence and Locking Gate 

Many insurance companies recommend installing a fence with a lockable gate around your pool. This added layer of security protects small children and protects you if someone enters your pool without permission. 

Perform regular maintenance checks on the fence and gate to ensure they are functional. If this barrier is in disrepair, you might be liable if a neighbor entered the pool and was injured—even if they entered without permission. 


We hope these pool safety tips help you better enjoy the summer fun! Please let us know if you have a pool and are interested in learning about your insurance coverage.

Click here to learn more about our personal insurance coverage options.



Business Income Insurance: Determining Limits 

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business income insurance

Does your company have adequate business income insurance limits in place? Now is the time to reevaluate your coverage, even if it met your needs a year ago. In addition, factoring in supply chain disruptions and increased inflation rates is critical.  

What is Business Income?  

Calculating your business income is the first step in determining your business income insurance limits. To do this, isolate your net income before taxes and identify average operating expenses that will continue after a loss (example: payroll).  

What is Business Income Insurance?  

Business income insurance is a type of business insurance that helps your company replace lost income if it cannot operate due to covered property damage. Covered causes of loss typically include damage caused by fire, wind, or theft. Before settling on a coverage plan, discuss all potential hazards specific to your business with your insurance provider.  

Business income insurance can help cover lost income and expenses incurred while your business is closed to repair damages. This type of insurance is generally applied towards the loss sustained when the business is closed due to repairs, unexpected expenses, and payroll/ other operating costs.  

Calculating Business Income Insurance Limits  

Once you have determined your standard business income, project your 12-month income. Standard Insurance Services Office (ISO) worksheets are available to assist in this process, or you can contact your insurance provider for one-on-one support.  

Next, you need to estimate the period of restoration. This step may seem tricky because it is based on a hypothetical scenario. However, a good rule is to base your estimate on a worst-case scenario.  

To fully calculate the business income insurance limit that best meets your needs, we highly recommend meeting with your insurance agent. They can evaluate your business needs and offer valuable insight and potential coverage options.  

Factors to Consider  

  • Supply Chain Disruption  
    • Crucial materials may be on backorder, which can overextend the estimated restoration period. A restoration that may have taken a few short months could take upwards of a year, depending on needed supplies.  
  • Availability of Materials  
    • Material shortages and supply chain disruption go hand in hand. Factoring in the potential that materials may be on backorder is critical.  
  • Temporary Relocation  
    • You may face additional costs if your business can relocate while the main facility is repaired. Likely this temporary location may not meet industry standards, which could slow production time. 


As the premier business insurance agency in Michigan, Allied Insurance Managers is committed to anticipating the needs of our clients and accommodating their preferences. From fast-growing businesses to large enterprises, we have a full suite of insurance programs that can help protect or reduce your company’s risk.

Click here to learn more today!