Complying With Michigan Automotive Requirements

Many states have special regulations concerning automobile operations by licensed drivers. In Michigan, every individual that purchases a car must comply with Michigan no-fault law and buy certain basic coverage before the DMV will issue license plates. It is against the law to drive without this coverage, but it also protects you financially.

Accident Blame

There are some accident scenes where it is difficult to pinpoint who was at fault for the wreck. With no-fault insurance, the policy covers the situation regardless of who caused the accident. The policy will assist with medical expenses, lost wages, replacement services, and damage that may be done to another property. The coverage won’t pay for repairs to your car.

Three Parts to the Policy

The law requires that you have three separate parts to your policy.

  1. Personal Injury Protection. This pays all reasonable and necessary medical expenses without a coverage limit. It also covers up to 85% of any lost income.
  2. Property Protection. This portion pays for up to $1 million in damages that your car may cause to another property.
  3. Residual Liability Insurance. This is an additional coverage against lawsuits claiming bodily injury, death, disfigurement, or property damage.

An insurance broker familiar with Michigan law will be able to evaluate your coverage needs and underwrite a policy that keeps you compliant with the no-fault law.

Determining the Costs Associated With Boat Insurance


Proper insurance is a requirement for businesses of all shapes and sizes. If your company involves boats or other vessels, then you need to go above and beyond to select a comprehensive plan that meets all of the demands of your industry. To achieve this, youll want to conduct a bit of research. There are several key points to consider when making your decision, and giving yourself the right focus can help yield you the best possible results from your efforts.

Understanding the Factors

There are plenty of burning questions you probably have when first starting off on this journey. Many people wonder what is the average cost of boat insurance, for example. Unfortunately, this isnt a simple question to answer. The costs will depend largely on the industry in which you work, the specific class and size of the boat, and a few other key points. For example, any problems connected with your license might cause the overall costs to skyrocket. Additional points that influence the average costs of insurance for boats can include:

  • Purpose boat is used for
  • Existing claims on previous or current insurance policies
  • Years of experience operating boats and similar vessels
  • Driving or boating history of individuals who will use boat

Taking Time To Research

Selecting the right insurance is a process. Take time and conduct heavy research to find a plan that meets your needs and your budget.

How PPE Protects Your Business


Personal Protective Equipment (PPE) is designed to minimize the risk of injury and accidents. The types of PPE you provide to workers will depend on the risks they are exposed to in their line of work. It can include gear such as masks, gloves, helmets, and eyewear.

Why Should You Require PPE?

Many regulations require employers to provide adequate levels of PPE to workers. The Occupations Safety and Health Administration (OSHA) produces standards that help you recognize appropriate PPE for your situation. They also outline what standards you are required to meet.

You may wonder, beyond regulations, why is PPE important? It provides a safer work environment and increases employee morale. Fewer accidents can also lead to lower expenses. Your insurance rates are affected by workplace accidents and injuries and any claims that result from them.

How Does PPE Protect Workers?

Gloves and other protective clothing may protect workers against chemical exposure, contact with infectious agents or dangerous temperatures.Helmets and hard hats offer a solid barrier that can reduce the force of an impact from above. This is especially important in construction areas and heavy manufacturing facilities.Safety glasses keep debris and chemicals from entering eyes and possibly damaging eyesight. Hearing protection reduces hearing loss due to loud noises associated with machinery.Masks and respirators provide contaminated air from entering the respiratory system. They may be designed to filter dust and particulates, chemical fumes, or infectious agents.

Take steps to reduce your risk and increase workplace safety by requiring employees to use appropriate PPE for their duties.

Getting Liability Insurance Coverage for Your Small Business

Liability insurance for small business

Getting Liability Insurance Coverage for Your Small Business

Small businesses that are still getting off the ground need to be mindful of how they use their limited resources when planning and budgeting for expenses. When you’re growing your operations, its important to take active measures to protect what you’ve built while also being cost-effective in how you build and insure your business infrastructure. Here are some important facets of liability insurance that all small business owners need to consider.

Why Your Small Business Needs to Be Insured

Liability insurance for small business will protect your company against claims related to bodily injury, personal and advertising injury, and property damage. Without insurance, these types of actions can be extremely costly to defend. In effect, damages awarded could be greater than the value of your entire business.

You May Be Required to Carry Liability Insurance in Order to Operate Your Business

Depending on the nature of your business, you may be statutorily required to maintain minimum liability insurance coverage levels to do work in the state or county where your business operates. In addition, many condominiums, homeowners associations, and even businesses require that companies who perform any type of work on their premises provide proof of general liability insurance, professional liability insurance, or workers’ compensation coverage in order to be admitted.

How Do Data Breaches Occur?

Data Breaches

Data breaches can be extremely costly and disruptive to your organization’s operations. Your financial information, as well as the information of the clients who you serve, maybe put in serious jeopardy if your data security systems aren’t constantly monitored and updated.

How Do Organizations Discover Breaches?

According to, organizations are often unable to detect data breaches until after they occur. However, regular scanning for malware and viruses can identify and isolate breaches before they inflict serious harm.

What Different Types of Threats Exist?

In analyzing what causes data breaches most frequently, it has been found that Criminal hacking activity is responsible for even more data breaches than malware programs. As one example, an employee could receive an email from a coworker requesting that he or she send funds to an account. The email has the tone and style of the coworker’s regular emails, and it contains the coworker’s usual signature at the bottom. In fact, the email is from an unknown source and the transfer request was fraudulent.

How Can Data Breaches Be Prevented?

The best way to be proactive about data breaches is to have a comprehensive plan to prevent them. Adopting guidelines for data security and incorporating them into every employee’s onboarding and ongoing training will significantly help to reduce the risk of a breach affecting your organization.

2 Ways to Expand Your Marketing Strategy

Marketing strategy

Technology has changed just about every industry and the different areas of operations within each business. For the insurance industry, the way to reach potential customers has branched beyond word of mouth and personal referrals. According to the experts at Neilson Marketing Services, your key to new business is web marketing for insurance industry strategies.

Content Marketing

To reach an audience that is constantly on their smartphones or internet-connected devices, you need a material that is relevant and engaging. You don’t want to limit your focus to potential new clients, as you still need to keep the loyalty and interest of current clients. With content marketing, you can expand your shared information to more than just insurance-related material. Share exciting and relevant material such as real estate or automobile trends, depending on the covered services you provide.

Social Media

Don’t be afraid to use social media. Statistically, over 70% of the nation’s population actively uses social networking to communicate with friends, connect with businesses, and research reviews on products or services. Tapping into social media is an easy way to spread your message and increase awareness in a succinct but focused delivery.

As technology and culture continue to evolve, your marketing strategies will need to adapt to consumer trends. Two areas where can you start making changes are social media marketing and content marketing.

Fuel Tanker and Pump Insurance Basics

Pump Insurance Basics

If you own or operate a hauling business, you know how important fuel tanker insurance is to your profession. Insurance is critical for independent fleet operators, small companies and commercial carrier companies alike. From spills and leaks to losses, insurance not only covers you against accidents and incidents but also brings you peace of mind.

Insurance Types

General freight insurance is standard for most haulers but then there’s the question of cargo type. Produce insurance covers against produce spoiling or loss while moving truck insurance covers hauling in residential areas.

Then there’s hazardous materials insurance. A hazardous material is a substance that can cause physical and health hazards to humans, animals or the environment either by itself or in interaction. Examples include carbon dioxide, gasoline and propylene.

Insurance Providers

When searching for the fuel tanker insurance that’s right for you and your business, you need to understand the particular rules and regulations surrounding your cargo type. That’s where insurance providers can help.

Licensed in multiple states, transportation insurance specialist Gain Insurance recommends talking to an agent about your state laws and regulated coverage amounts and making sure you have “the necessary coverage to safely insure your livelihood or business in all facets.”

When you’re looking for fuel tanker insurance, do your research. Know your cargo and find the experienced provider that understands all the rules and regulations surrounding its transportation.

Avoid a Lapse in Car Insurance Coverage

Allegiant Insurance Services

A lot of different variables can negatively impact your car insurance rates. In addition to your driving and accident history, your insurance coverage history can have a considerable effect on your rates. When you reapply for coverage, you may find that allowing your car insurance to have lapse can cause your quotes to be surprisingly high.

Even Explainable or Brief Lapses Affect in Insurance Coverage

Unfortunately, the reason for a car insurance lapse doesn’t really matter in an insurers’ estimation. Even if you weren’t driving because you were away on a long trip or you were simply keeping your car garaged, it won’t necessarily matter in the eyes of an insurance carrier. Moreover, the length of the lapse may not necessarily help you; missing even just one day in an otherwise continuous coverage period can cause your rates to be higher. According to experts at Allegiant Insurance Services, some insurance companies will reject your application altogether if you have had a recent car insurance lapse.

 You Can Avoid Lapses in Coverage

One way to avoid a lapse on your insurance record is to get a lower cost policy meant for touring or driving cars that you don’t own. This type of low-cost policy will allow you to have a continuous coverage history without any interruption in being insured.

Protect Yourself With Fiduciary Liability Coverage

Fiduciary Liability

The incidences of fiduciary-related litigation are increasing. If you or your company act as fiduciaries, the chances are growing that at some point, you may have to deal with legal issues related to a claim of mismanagement. Fiduciary liability insurance covers all costs related to legal defense against claims of fiduciary duty breaches, poor management, and errors, as seen on

Who Needs a Fiduciary Policy?

Although this type of insurance coverage is not required by federal law, it can save you and your company from financial ruin should a lawsuit be filed against you for your role as a fiduciary. This type of protection benefits all sizes of corporations acting as fiduciaries.

  • Companies offering medical, dental, vision, and health insurance to employees
  • Companies providing 401(k) or 403(b) retirement plans
  • Companies offering stock option plans

Even honest mistakes made in any of these situations could be the basis of lawsuits.

Finding the Right Fiduciary Insurance

Every company has individual needs and particular circumstances in which it operates. Therefore, when looking for a policy to cover fiduciary claims, look for an experienced insurance company that provides tailored policies. By talking with knowledgeable agents about your situation and learning more about coverage options, you are in a better position to make an informed decision about the best insurance for you.

With the right fiduciary claim policy in place, you can return your focus to doing great things for your clients.

Protect Your Assets With Commercial Hemp Insurance

Commercial Hemp

There are a lot of risks involved when growing any crop, whether it be natural disasters, disease or pests. While there are many private insurance options and federal safeguards in place for most commercially farmed plants, insuring commercial hemp crops has been difficult, if not impossible, until recently.

Available Coverage

Today, more insurance companies are offering commercial crop coverage designed specifically for the hemp and even the cannabis industry. The policies can provide broad coverage for all stages of crop production. An example of this type of policy, as seen on, is Commercial Crops Living Plants. This insurance coverage is for indoor cultivation operations and is available as part of a package policy. It can include the following coverage options:

  • Seeds
  • Seedlings
  • Vegetative Plants
  • Flowering Plants
  • Harvested Plants
  • Finished Stock

While there are other types of insurance policies that are important in protecting a farm or greenhouse that produces hemp, such as General Liability, Commercial Property and Workers Comp, having Commercial Crops insurance should be a priority. This type of insurance is the best line of defense against natural and man-made disasters that every farm can face. With the growing availability of commercial insurance coverage, it is no longer necessary for commercial hemp farmers to take on this risk themselves.