September 28, 2016

Distracted Driving


How many of you looked at your phone while driving today – checking your email, texting your friend back, etc?  What about looking away from the road to open up that breakfast sandwich you picked up on your way to work?  Be honest.  You aren’t alone — it is something that has become so prevalent that we often don’t even think twice.  Just on my short commute to work this morning I saw several different cars with their phones up by the steering wheel. I read on the distraction.gov website that traffic crashes are the leading cause of death for … Continue reading

September 21, 2016

Fair Labor Standards Act Changes


Everyone is talking about the new Fair Labor Standards Act changes. Below are a few things to consider when looking at complying with this new rule: The FLSA applies to most employers but employers should verify this prior to seeing if they need to comply. If the FLSA applies, then you need to evaluate whether exempt employees will meet the new salary threshold of $913 per week. Up to 10% of salary can come from quarterly bonuses, but you must follow the rules here. The salary level will be automatically increased every 3 years going forward. The threshold for the … Continue reading

September 19, 2016

Life Insurance for My Child? Really?


In the world of life insurance, often times we need to talk about those unpleasant what-ifs.  It is even more taboo when we talk about the idea of placing life insurance on a young child.  Yes, the policy would provide a payment to beneficiary(s) in the event of the child’s death, but when it comes to children’s life insurance, there are many other really good reasons to consider this a wise purchase.  I personally have purchased life insurance for both of my children, as I try to provide the best future for them that I can. Allow me to elaborate. … Continue reading

August 18, 2016

Considering Renter’s Insurance


Yes, it is that time of year.  College towns across the country will once again be bustling with both new and returning students, and most will be moving into a new apartment or house.  Maybe it’s your first time living on your own, or perhaps it’s merely a new address for the school year.  After you move all of your clothes, electronics, furniture, and that mattress that you had strapped to the top of your car, take a moment to look at all the personal belongings you brought with you.  Would you be able to replace those items yourself if … Continue reading

July 12, 2016

Are You Uber Safe?


Uber is a rapidly-trending, location-based, easy-to-use ride sharing service similar to taxis and other black car services.  With Uber, passengers can arrange their pickup/drop off, track their arrival, know the exact price AND pay for the service (which is typically less than the cost of a traditional taxi) all from the smartphone app.  It’s no wonder this company is growing at the rate that is! Millions of people worldwide are using this service, not only as passengers, but also as Uber drivers.   Driving for Uber is a flexible option (as your own boss, you decide when and for how long … Continue reading

June 9, 2016

Summer Grilling Safety


It is that time of year when we wake up with the sun and the air is warm. Everywhere you look, people are outside enjoying the summer sun. This also means it is BBQ season, which is one of my favorite times. However, every year grills are the cause of fire and injury. In 2014 16,600 patients went to the emergency room because of injuries involving a grill. On average U.S. Fire departments respond to 8,900 fires involving grills. These fires account for $118 million in direct property damage. Here are some tips to keep you safe this summer: Be … Continue reading

June 3, 2016

How Does Tiny Home Insurance Work?


I have a confession to make. Like many other people, I have an unhealthy obsession with watching HGTV. I turned it on this weekend, and a show came on called “Tiny House, Big Living.” The show highlights people who are building their dream home, with the catch being that the homes are so small that most of them are built on the frame of a utility trailer. As I began to watch this program, I started to see why tiny homes are becoming a trend in the United States. These people have little to no mortgage, mobility, and very simplified … Continue reading

May 13, 2016

Michigan Catastrophic Claims Association Rate Change for 2016


The Michigan Catastrophic Claims Association (MCCA) recently put out a press release detailing changes in their rate for 2016. Some of you may be wondering, “What is the Michigan Catastrophic Claims Association?” Better yet, some of you may be wondering, “What does that have to do with me?” I am here to answer both of those questions for you. Simply put, the MCCA is reinsurance for the insurance companies in the state of Michigan. It has been in place since 1978, and every insurance company in the state that sells auto or motorcycle coverage is required to be a member.  … Continue reading

May 9, 2016

Actual Cash Value vs. Replacement Cost


When purchasing an insurance policy, you are often given the choice of insuring your property at actual cash value (ACV) or replacement cost (RC).  This decision determines the amount of your check at the time of a loss. Replacement Cost is the amount it would cost to replace your item with the exact same item or a similar one, after a loss. This allows you to buy the item again at the time of the claim, as new. Actual Cash Value is what you would pay for a similar item at today’s cost (replacement cost) minus depreciation. Let’s put this … Continue reading

March 30, 2016

5 Reasons Why You Need Rental Car Insurance


As spring break is approaching many families are getting ready to go on vacation and plan to rent a vehicle while they are away. Most of us try to minimize unnecessary expense when we travel, so the question often comes up, “Do I need to buy the insurance from the rental car company?” Our recommendation is you should purchase the Loss Damage Waiver the rental car company offers. This is not insurance, but rather an agreement to hold you harmless in the event of an accident and the vehicle is damaged. Here are the top 5 reasons why we recommend … Continue reading

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