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D.O.T – DID YOU KNOW?

Reporting of tickets or violations: By the driver within 30 days of conviction. Most company policies require immediate notification by the driver to the company. Roadside inspections: Driver must inform carrier with 24 hours of inspection and carrier must keep inspection report...
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Bobtail Insurance or Non Liability Insurance?

BOBTAIL: A BROADER FORM OF LIABILITY COVERAGE:  Bobtail insurance protects you from bodily injury and property damage liability accidents while operating your semi-truck during those times when you’re not hauling a trailer or other load. For example, if you drop off a load...
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How will I be taken care of in the long term if my health fails?

If you haven’t asked yourself this question take a few minutes and write down what the plan might be. Consider these categories: Finances Do I have written instructions as to which assets will need to be spent and in what sequence? How much of my estate will have to be ‘spent...
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Winterizing your Vacation home?

For many Michiganders the start of fall is a time to say goodbye until next summer to their vacation home. This annual ritual is an important one that involves draining the pipes, protecting your mattresses and bedding from critters, packing up kitchen ware to protect against...
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Hidden Treasure: Life Insurance!

Life Insurance has many variations meant to meet the coverage and budget requirements of almost anyone; however the basic purpose is the same:  It is the single best way to protect loved ones against the financial devastation caused by the untimely death of an income-earning...
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Hidden Treasure: Umbrella Liability

While most people are aware of the traditional auto and homeowners insurance products, many are unaware of the availability and affordability of a Hidden Treasure:  Umbrella Liability! Did you know that your homeowner’s liability does not cover many liability exposures that an...
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Let’s talk about Life Insurance….is there a ‘magic’ amount of coverage that I need?

Life insurance discussions bring  an instant surge of ‘anxiety’.  Thoughts of “What would happen to my loved ones”?  Who can I trust to help me determine how much I need? How many years would I need this benefit….at this level?  Where does this premium fit in my financial budget...
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New teenage driver

My teenager just got their driver’s license, now what?

When do they need to be added to the auto insurance policy? We recognize that the cost of insuring a teen driver can be expensive. The first step to protecting your teen driver, and your household, is to inform your insurance company that there is a new licensed driver in the...
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