Saturday, December 20, 2014

Gain or Loss: Business Insurance Broker on Workers Comp Rate Drop

In a bid to attract more investors to Michigan, the state began pulling its workers compensation rates down in 2011. According to the Workers’ Compensation Agency (WCA), as of 2014, the rates have dropped by 22.7 percent over a three-year period, and are still expected to drop further next year, bringing them to 27.7 percent over a four-year period. WCA data also shows that the drop in workers comp rates took off in 2012, when it dropped by 7.4 percent. By this time, House Bill 5002, which WCA director Kevin Elsenheimer credited with the enormous drop, had already taken effect. Under the law, a worker can receive 80 percent of his net weekly salary if his injury caused total disability and wage loss.

Thursday, December 18, 2014

Specialty Program Offers Golf Course Business Insurance in Michigan

Behind the serene beauty of a golf course lies a daunting variety of risks that you face as a golf course owner. From overturned golf carts and wayward balls hitting guests, to slippery floors and toxic pesticides, each poses a potentially significant risk that can affect your facility’s ability to remain afloat. That’s why we, as a highly dependable Michigan business insurance agency, have developed a specialty program for your golf course business. We are offering you a number of coverage and service items to provide your business with a level of assistance that only a few in this industry can provide. These items include: insurance for golf carts, pesticides, herbicides, and the tee’s, greens and fairways; golf, swim, tennis, and banquet professional insurance; as well as coverage for maintenance equipment, storage tanks, arrant golf ball property damage, and members/guests property.

Tuesday, December 16, 2014

How a Business Insurance Agent Can Help Protect Your Cleaning Business

Spilling bleach on an expensive carpet, a rouge employee stealing from the unit being cleaned, or an accident that totals your company vehicle loaded with expensive cleaning materials–all trades come with risks, and the janitorial industry is no different. Commercial Cleaning Insurance is critical in ensuring that both your business and your clients are protected from any untoward incidents that may happen on the job. Depending on your specialization, it is important to go over your options with a trusted business insurance agent to arrive at an insurance program that is right for you. As a commercial cleaning company, your job puts you in contact with other people’s properties day in and day out. This places serious responsibility on your shoulders, and it means that you are liable not only for the items you are cleaning, but also for the premises in which you are conducting your services.

Sunday, December 14, 2014

Home Insurance in Michigan: Protecting Your Home from Snow Damage

Apart from Yuletide cheer, winter also brings difficult weather conditions like heavy snow. While a little snow can add to the festive atmosphere, too much can lead to disaster. Given recent news reports from Buffalo, New York, it appears Michigan homeowners may have it rough again this year. According to a report posted in Michigan Live, multiple cities in Michigan experienced record volumes of snowfall for the week of November 13 to 21. Grand Rapids alone had 29 inches of snowfall during the weeklong-span, which is the most snow the city ever had for the month of November.

Friday, December 12, 2014

Michigan Auto Insurance: Choosing Between Comprehensive and Collision

One of the most satisfying purchases you can make in life would be your very own automobile. Owning a vehicle allows convenience and freedom in going from place to place within Michigan, or even out of state. It is said, however, that nearly everyone will figure in a car accident at least once in his life. Given this, you should inform yourself about the different kinds of car insurance in Michigan, so you would know what type of coverage to get.

Saturday, November 8, 2014

Homeowners Insurance in Michigan is Essential for Second Home Buyers

As the article suggested, second homes are more susceptible to vandalism, fire and small issues becoming large claims as the stay of the owners of such properties is often short and not definite. Thus, those contemplating buying second homes should consult with reliable insurance agencies such as Allied Insurance Managers, Inc. about getting comprehensive Michigan home insurance for their properties. By consulting with professionals, home buyers and owners can get useful information which they can use to protect their estates from various dangers. Property owners and buyers should consider homeowners insurance in Michigan as an essential cost when evaluating 2nd home options. Homeowners and buyers should always keep in mind that owning a property comes with the risk of sustaining damage through natural and man-made circumstances. While buying second homes can bring benefits, it is also a sensible step to have these properties covered by the appropriate insurance policies.

Thursday, November 6, 2014

Companies Need Reliable Business Insurance in Michigan

The threats posed by hacking and other cyber-crimes are serious, potentially bringing about lasting consequences to businesses. Most companies believe they already have the necessary hardware and software to protect themselves from these negative effects, but Home Depot and Target are examples that all businesses. Large or small are at risk. In light of this, companies can purchase comprehensive business insurance in Michigan which will enable them to transfer risks of financial losses caused by cyber-crimes to an insurance company. Having sufficient coverage can mean the availability of immediate funds which can be used to make up for potential losses and to implement necessary solutions. Experienced MI business insurance agencies such as Allied Insurance Managers, Inc. can help companies get the protection and coverage that they need to ensure smooth business operations despite setbacks.

Tuesday, November 4, 2014

The Red Car Bias: Why Michigan Auto Insurance Firms Say It’s Not True

Long associated with flashy sports cars, the color red has come to symbolize speed, recklessness, and general “trouble-making” on the road. In fact, according to a recent survey by insurance information website, almost half of car owners do believe red cars get pulled over more often for speeding. The color red draws your attention and the expectation is that auto insurance providers will charge increased rates because of it. After all, safety is a basic consideration in determining insurance rates. Typically, the riskier something is, the higher the insurance premiums will be.

Monday, October 20, 2014

Trusted Hospitality Industry Business Insurance in Michigan Since 1905

The human experience is inextricably tied with the need to explore and discover new places and things. So long as this need exists, so will the opportunity for enterprising entities to provide temporary residence for those who travel. However, as with any other line of work, doing business in the hospitality industry carries certain risks. It is for this reason that Allied Insurance Managers saw the need to provide hospitality business insurance in Michigan since our agency’s inception in 1905. Boasting of over a hundred years of experience in providing insurance brokerage services to hotels, motels, resorts, inns, and bed-and-breakfast establishments, Allied Insurance Managers would be expected to provide nothing but the best insurance programs on the market. As could be anticipated, it is with great confidence that we can tell our clients that we indeed do.

Saturday, October 18, 2014

The Expert Business Insurance Agent for Fire Suppression Contractors

Due to the widely varied nature of every industry, each is subject to its own set of risks. At Allied Insurance Managers, we’ve cultivated an extensive understanding of these industry-specific risk factors and do our utmost to become the trusted business insurance agent for any company regardless of background or line of business. Of the range of industries we service, fire suppression is one sector our company has developed a unique expertise in providing insurance advice for. It isn’t unusual for businesses in the fire protection industry to specialize on certain aspects of the trade. For instance, some contractors might focus on sprinklers and another on fire alarms. As a result, the coverage provided to fire protection contractors must be commensurate to the type of service they provide.

Thursday, October 16, 2014

Facts about Michigan Homeowner’s Insurance: What should be Covered

Mold can take a huge toll on your home’s structural integrity, and the cost of putting off addressing the issue can be far worse, especially if you’re planning to sell your house. Some insurance providers may offer mold removal coverage, but, again, the details matter—whether the mold infestation was followed after an event, such as fires, floods, or other incidences. If you want to get an efficient home insurance from Michigan providers, such as Allied Insurance Managers, Inc., be sure to look into the policy and choose the right coverage that suits your needs just right. Getting insurance is often a requirement for many mortgage lenders, so it’s best if you equip yourself with one before securing a loan or negotiating a refinance.

Tuesday, October 14, 2014

Michigan Auto Insurance Provider Warns Against Texting While Driving

The trusted Michigan car insurance provider noted that more and more car accidents can be attributed to driving while using the phone as statistics show that over 90% of Americans own cell phones. Experts estimated that activities like texting take at least 5 seconds of a driver’s attention from the road, which means that a person using a mobile phone while driving at 55 mph travels the length of a football field without looking at the road. Texting and talking on phones can distract people from their driving and increases the chances of crashes and collisions by 23 times. Approximately 13% of drivers the age of 18 to 20 who have been involved in car wrecks have gone on the record to say that they have been texting or talking on their phones at the time of car accidents as they were somewhat confident that they can safely text while driving. Adults are also no better as 48% of young drivers have often seen their parents drive vehicles while talking on their cell phones.

Sunday, August 24, 2014

Why Get Hired and Non-owned Auto Insurance for Michigan Businesses?

Risk is an inherent part of running a business and insurance policies are a hedge against unfortunate circumstances that might hurt your bottom line. If you’re wise, you should already have business auto insurance in Michigan that covers you when company-owned vehicles run into accidents. Is that enough, however? What if your employees use their personal vehicles for official company business, like picking up visiting clients at the airport or doing house-to-house sales? Or perhaps you’re on a business trip and you rented a car instead of bringing a company vehicle? If you or your employee becomes involved in an accident, your business might be on the hook for damages resulting from the mishap. Fortunately, Allied Insurance Managers, Inc. can broker insurance policies that are specifically designed to protect you from this type of liability.

Friday, August 22, 2014

Allied Insurance Managers, Inc. Offers Business Insurance to Michigan

Here’s something to drink to: according to statistics, Michigan has the fifth most number of breweries in the country and its burgeoning craft beer industry contributed $133 million to the state economy in 2011 alone. Of course, each of Michigan’s 180-plus breweries are businesses, too, and just like all enterprises, they need insurance policies that protect them against untoward circumstances. Fortunately, Allied Insurance Managers, Inc. offers business insurance to Michigan breweries and other companies in the beverage manufacturing industry.

Wednesday, August 20, 2014

Why Home Insurance in Michigan Can’t Protect Boats from Liabilities

As a boat owner, you know that sailing the open seas is an incomparable feeling. Of course, you also know that private water vehicles are some of the most expensive investments you purchase, with average prices now hovering at around $65,000. If you assume that your home insurance in Michigan will cover the damages and liabilities associated with boat ownership, however, you might end up spending even more than that figure should mishaps happen. Fortunately, Allied Insurance Managers, Inc. can help you find the best rates on dedicated boat insurance policies that will protect both you and your watercraft from untoward incidents. Remember, standard homeowners insurance in Michigan offers only a couple thousand dollars’ worth of coverage when your boat is damaged or stolen—a small pittance compared to the overall price of the vehicle. Furthermore, the damage or theft has to occur at your residence for any money to be paid out at all.

Monday, August 18, 2014

Business Insurance Agent Company Supports Goodfellow Fund of Detroit

Allied Insurance Managers couldn’t have picked a better time to come in and show their deep appreciation and provide assistance to the work Goodfellow Fund does to make sure that no child will ever feel forgotten. The company strongly believes that their commitment to excellence makes it very meaningful to offer help to an organization that is equally committed to being excellent in their mission. The Matching Grant program allowed Selective Insurance Group, a holding company for ten independent business insurance broker firms, to partner with their agents in giving support to the needs of the communities they all serve.

Thursday, July 24, 2014

Michigan Home Insurance a Must for Those Living in Metropolitan Areas

Although this incident occurred in Alabama, it can definitely happen here in Michigan as well. In fact, the Federal Bureau of Investigation estimates that 140,589 cases of larceny occurred in Michigan in 2010. As such, residents living in metropolitan areas are highly encouraged to purchase Michigan home insurance. 

Yes, home insurance covers more than just your home from fires and storms. Standard home insurance also protects your home from criminal acts like vandalism and theft. In the case of theft, your insurance company will reimburse you the cash value of your stolen possessions so you can promptly have these items replaced.

Tuesday, July 22, 2014

Business Insurance in Michigan Protects You from Natural Disasters

When you find your business suddenly interrupted because of a natural disaster, this becomes the time you feel lucking to have survived. Natural disaster can strike anytime and anyplace which is why you should review your property insurance to make sure you’re ready for anything Mother Nature can dish out. 

Building a business can be very rewarding. However, natural disasters can destroy your business in the blink of an eye. Together we can make sure your protected so you don’t have to worry about Mother Nature’s wrath. By obtaining the right insurance policies from a trusted Michigan business insurance brokerage like Allied Insurance Managers, Inc., you significantly increase your business’ ability to stay standing after a natural disaster.

Sunday, July 20, 2014

A Skilled Business Insurance Agent Helping You Deal With Errant Staff

Business advisors or insurers may recommend taking out crime insurance policies while the company is being incorporated. However, extensive planning with your preferred business insurance brokers is needed to determine the payout level when a loss is discovered during the life of the policy– or even up to a year after it expires.

In today’s information age most businesses transactions are taking place online and over secure connections. However, business owners looking for employee fraud protection should consider coverage against electronic fund transfer and computer fraud.

Friday, July 18, 2014

Dealing with Quality Auto Insurance in Michigan Even as Things Get Hot

The policy limits marked on the study included $300,000 for multiple injury coverage, $100,000 for single-person injury liabilities, and $50,000 in property damage liabilities, plus $500 deductible for collision and comprehensive coverage.

Motorists applying for car insurance in Michigan through insurers like Allied will often be graded on various factors that will determine the final rates for the premium. They include the vehicle’s year and make, the incidence of theft or accidents, repair expenses, and your geographical area. Safety features can help cut down the rates.

Thursday, June 19, 2014

Know Your Options: Home Insurance in Michigan for Your Fixer-Upper

The risks associated with fixer-uppers are not exactly smiled upon by insurance companies – but fret not, for there are still insurance options available. At the very least, you will have to pay a higher premium. Before anything though, you will likely need to hire a home inspector to go over your property; this gives you an idea on how much the property is worth and makes it easier for insurance companies to provide you with a quote.

If you can have the home repaired and you’ll be able to move in within a month, it will probably be easy to get basic homeowners insurance in Michigan from insurers like Allied Insurance Managers, Inc. This is probably the easiest option, but if the repairs take longer, there are specialized insurance packages available.

Tuesday, June 17, 2014

The Importance of Securing Dependable Business Insurance in Michigan

Surety bonds are agreements under three parties – the surety, obligee, and the principal. In layman’s terms, one group (surety) assures a client (obligee) of top-notch performance on a job order, which is expected from the contractor (principal). This type of insurance is common in the construction industry.

There’s a lot more types of insurances out there, covering a wide array of specific situations that can befall any company today. Know more about them by consulting with firms like Allied Insurance Managers, Inc. that provide dependable business insurance in MI and nearby locales. Secure your business’ future today.

Sunday, June 15, 2014

Understanding Coverage Options from a Trusted Business Insurance Agent

As advanced as technology is today, equipment trouble and breakdown is still a very real possibility – so much so for offices and businesses that use them daily, and sometimes for heavy duty purposes. The failure of such machines can negatively impact your business productivity and efficiency. For this reason, you will need an adequate coverage on equipment breakdown insurance to protect your valuable investments.

Knowing the right insurance coverage to get should help you properly reinforce your company’s protection against uncontrollable forces that might seek to tear it down. Ask your trusted business insurance broker or agent for a more comprehensive list. Invest in reliable business insurance today and you don’t have to be afraid of a rainy day.

Friday, June 13, 2014

Survey Says: Michigan Auto Insurance Rates are Highest in the Nation

So how can car insurance be so expensive for teenagers? It all boils down to one determining factor: risk. Michigan auto insurance rates often base their quote on the driver’s experience, and since teenagers often have little to no driving experience yet, insurance companies will consider him to be high-risk.

Granted, inexperience is not the only reason that adolescents in Michigan face high insurance premiums; the type of car your kid drives, the area where he lives, and the deductible he chooses to pay all factor into the auto insurance amount. There’s also the fact that rates for car insurance in Michigan are the highest in the nation.

Tuesday, May 6, 2014

We Offer a Full Line of Business Insurance for Michigan Companies

Behind the success of every small business are the hardworking employees who put in all the time and effort, and sometimes, even their lives on the line – and business owners know that for a fact. According to a recent survey sponsored by EMPLOYERS®, the safety of employees emerged as the top priority among small businesses in the country. In line with this, Allied Insurance Managers, Inc. offers a complete line of business insurance for Michigan small businesses, which includes our Workers’ Compensation Insurance.

Based on the survey, 35% of the respondents picked “workplace safety risks” as the type of risk that has the most potential to impact their respective businesses. Moreover, the same number of respondents also chose the same risk as the one they would spend more time addressing this year. As an employer, it is your duty to provide coverage for your employees and provide a safe working environment.

Monday, May 5, 2014

Good Michigan Home Insurance Protects Homes from Mother Nature’s Fury

The home is easily one of the biggest investments a family will ever make. However, there are all kinds of things that can put that investment in great jeopardy. For one, the weather can turn extreme and wreak all kinds of havoc on many homes, as pointed out by an April 13, 2014 article.

The onslaught of erratic weather on parts of the Great Lakes State is bound to be a cause of worry for many people. The possibility of severe damage alone is reason enough for homeowners to get comprehensive Michigan home insurance in order to secure their homes against any type of damage, natural or unnatural.

There are different natural catastrophes that can cause damage and/or loss of property in Michigan homes. Earthquakes can topple the house from its very foundation while floods can inundate the interior, often causing irreplaceable property losses. Hail, on the other hand, can put dents in (and even punch holes through), your roof.

Sunday, April 27, 2014

Policies Entrepreneurs Need from a Trusted Business Insurance Agent

Workers’ compensation insurance covers the medical expenses and lost wages of your employees if they are injured at work. Not only does this help your employees, it also protects your business from being sued for compensation. In Michigan, businesses that have 3 or more part-time employees, or a single employee who works 35 hours a week, are required to have workers’ compensation insurance.

According to statistics from the Insurance Information Institute, more than 25 percent of business that close down after an unforeseen disaster never reopen. Do your best to avoid joining this unfortunate statistic by purchasing comprehensive coverage from a trusted business insurance agent like one from Allied Insurance Managers, Inc.

Thursday, April 24, 2014

Motor City Madness: How to Avoid Michigan Auto Insurance Rate Increase

As a young car owner, nothing beats sitting in those soft leather seats, breathing in that new car smell, and hearing your engine purr. At this point, you might think about how many young people also have their own cars and the fact that you’re lucky to have one under your name. According to a report from Fox Business, there are actually a large number of young car owners like yourself.

Despite the growing number of people owning cars at a young age, you should still consider yourself lucky. After all, not everyone can afford to purchase a new car along with the auto insurance that Michigan requires resident drivers to have (Michigan has one of the highest insurance rates in the country).

Tuesday, April 1, 2014

Looking for Home Insurance in Michigan? Avoid These Rookie Mistakes

Since you’ve spent a sizeable sum on your house, you’ll want to protect it against fire, theft, hurricanes, and other disasters via home insurance. Unfortunately, many first-time homebuyers are clueless when it comes to adequate home coverage.

In her article, consumer reporter Caroline Meyer talks about four common homeowner’s insurance mistakes, the foremost of which is underinsuring your home.

Meyer also points out that many homeowners assume flood insurance is already included in their policies. After all, insurers often reimburse damage arising from other natural disasters. In reality, though, flood insurance is a separate coverage that you have to pay extra for.

A home is a long-term investment, so be prepared for any unwelcome eventuality that might befall it. You can talk to a trusted broker who will help you find the kind of homeowners insurance in Michigan that perfectly suits your needs.

Sunday, March 30, 2014

Trusted Business Insurance Broker Offers Effective Analytics Tool


Plagued with high workers compensation insurance? Try ModMaster from a renowned business insurance broker and discover potential cost savings for your business.

Contact Allied Insurance Managers to Maximize This Opportunity!

Insurance is an important aspect that you as a business owner must face. States will not allow you to operate if your employees are not covered by workers compensation insurance. This places a significant importance on proper insurance coverage. However, high insurance premiums are also among the main reasons why businesses lose money.

Friday, March 28, 2014

Michigan Business Insurance Key to Security as Local Economy Improves

Becoming an entrepreneur in any economy can be a daunting task. However, with the recent developments in Michigan, such as the passing of a tax reform plan and the funding of student start-ups by the Michigan Business Challenge, the more enterprising residents are encouraged to throw in their lot and open their own business. The recent spike in new businesses, in fact, jibes with the current confidence in the rising local economy.

With a positive economic outlook, many people are investing their own money or raising funds to start their own business. Given the element of risk in running one’s own business venture, many business owners pay extra for a custom business insurance in Michigan designed to protect the company. Some of the insurance packages you may consider as a business owner are risk management, workers compensation, surety bonds, and commercial auto insurance.

Tuesday, March 25, 2014

Auto Insurance in Michigan and other Coverage Firms Should Consider

Every business owner should do everything it can to ensure that its enterprise is physically, legally, and financially sound enough to keep up with the competition in the market. One important way to achieve this is by getting the right kind of insurance coverage for the right amount. Michigan auto insurance for your company cars, for instance, is one way to protect your investments related to your business.

Responsible business owners make it a point to check out insurance companies like Allied Insurance Managers, Inc. for help in working out a policy that will best benefit both parties. Other insurance types invaluable to businesses also include business owner’s policy and product liability.

Monday, March 10, 2014

Why you can Rest Easy about Michigan Home Insurance Claims this Year


In the wake of heavy storms and flooding, homeowners are left to consider how to go about rebuilding their homes. This usually comes at great cost, and many people need to file a claim against their home insurance from Michigan providers like Allied Insurance Managers, Inc. Nevertheless, there is no guarantee that all of the damage is covered in the homeowners insurance policy.

Saturday, March 8, 2014

More People Trust Auto Insurance in Michigan as Insurers Start Stepping Up

Another factor that affects customer satisfaction in auto insurance is the speed of repair to the damaged vehicle. One way to speed up the claims process is to trust a direct repair shop that your insurance provider works with. Recent studies have revealed that on average, non-direct repair shops could make you wait at least 2.9 days longer to get your car back when compared to direct repair shops.

When it comes to filing a claim using your car insurance in Michigan, nothing is quite like efficiency and speed of service. Car insurance agents from established companies like Allied Insurance Managers, Inc. are able to help you get back on the road quickly and painlessly.

Thursday, March 6, 2014

Protect Your Springboard to Success with Michigan Business Insurance

If your line of business involves the use of vehicles (as in transportation, logistics, product delivery, etc.), having good business auto insurance to back you up can be a great advantage. In this day and age, car accidents are almost an unavoidable fact of life, and they can be quite costly, too.

Remember that investing in a reliable Michigan business insurance policy offered by established companies like Allied Insurance Managers, Inc. could serve as your safety net to help keep you from losing everything should something happen to derail your entrepreneurial venture. There’s nothing better than knowing that you always have something to fall back on in case things don’t go according to plan.

Tuesday, March 4, 2014

Business Insurance Agent Offers Mod Analysis Through Cost-Saving Tool

Rochester Hills, Michigan (February 26, 2014) – Renowned business insurance agent company Allied Insurance Managers, Inc. is offering clients a valuable Workers Compensation Insurance tool that enables them to control business costs and to uncover areas of improvement. The business insurance analysis program, called the “ModMaster”, can help firms better understand their workers compensation experience mod calculations and determine their potential cost savings.

Businesses can take control of their workers compensation insurance costs with experience mod analysis, which the ModMaster offers. They can expose key factors that can greatly affect the mod calculations and identify which ones to improve on, in order to reduce and prevent losses.