December 23, 2016

Celebrating Safely

December is National Impaired Driving Prevention month. Seasonal festivities have begun and according to National Highway Traffic Safety Administration, traffic fatalities due to driving impaired increase significantly during the Christmas and New Year Holidays. Whenever your plans include consuming alcohol, make arrangements ahead of time for your transportation home so you do not drive impaired. Have a designated sober driver, plan to take a taxi, or arrange for a sober friend or family member to pick you up. You not only put yourself at risk if you drive impaired, but you also put other drivers, passengers and pedestrians at risk. … Continue reading

December 9, 2016

Holiday Home Safety

Tis’ the season for indoor trees, candles, fireplaces, and gatherings with family and friends. I have some tips for you to keep your home and family safe during this time of year. Place your tree several feet away from any heat source. Live trees can dry out quick, so be sure to water it as often as necessary. Check your light strings and extension cords to be sure they aren’t damaged or frayed. Always unplug decorative lights before you leave your home or when you go to sleep. Never leaving a burning candle unattended. Remove stockings that are hanging from … Continue reading

December 5, 2016

Do You Want to Buy a Rental?

There are several things to consider when deciding to purchase a rental property. You need to have money or the ability to obtain financing to purchase it. You’ll need to able to accurately project your rental income and expenses to ensure that you aren’t losing money on your investment. You also need to purchase insurance to protect your investment. While insurance may not be the first thing that you think of when deciding to purchase, it should not be the last. There is information an insurance company wants to review before deciding to offer a quote. The list below includes … Continue reading

November 23, 2016

Five Tips for Safe Winter Driving

Winter is upon us. Well, maybe not officially, but we do have snow on the ground!  I enjoy the snow and outdoor activities, and often need to drive to get to them. Here are some tips for safe winter driving: Clean the snow and ice off of your windows, lights, and mirrors before you start driving. You need to see and be seen by others! When stopping, slow down sooner. It takes longer to stop on snow or ice. Bridges and ramps can get icy before the roads do, so take extra caution on them. Allow plenty of space between … Continue reading

November 4, 2016

Pet Insurance for Your Furry Family Members

I adopt boxers (not the Muhammad Ali kind).  I adopt the sweet, squishy face, snoring, and slobbery kind.  They truly are members of my family. Unfortunately, pets also get cancer, eat ornaments off your Christmas tree, and break bones too.  Pet insurance can help with some of the costs of treatment, and I have experienced the benefits of it with my dog, Ruger. We adopted Ruger when he was about three. We don’t even know his actual birthdate because the rescue was not able to get records from his previous owner. We brought him in for his initial exam with … Continue reading

October 20, 2015

Equipment Breakdown Coverage and Why You Need to Have It

Do you use equipment during your business day? I know I do! While sitting at my desk writing this blog I can see a lot of equipment that could be susceptible to breakdown. I have a computer with three monitors, a phone, and a printer at my desk. I can also see a large color copier/scanner/fax machine, and I know that if that printer broke down, there would likely be a large repair or replacement invoice. Equipment breakdown coverage applies to many different types of equipment, and a variety of failures and causes. It can pay for direct damage to … Continue reading

September 30, 2015

Do I Need Workers’ Compensation?

I receive many inquiries from businesses asking if they need to purchase workers’ compensation coverage. In Michigan, private employers are required to purchase workers’ compensation if there is one full time employee or three part time employees. Agricultural employers must purchase it if they employ 3 full time employees. Households with domestic workers must purchase it if they have one full time employee and all public employers are required to purchase workers’ compensation. I’m often asked if it is still required if they hire “independent contractors” which receive a 1099 versus a traditional employee who receives a W-2. The answer … Continue reading

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