Saturday, December 20, 2014
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
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
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
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
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.