Monday, March 30, 2015
As an owner of a winery, you know that producing fine wines is more than just growing grapes and putting it in a bottle. Aside from time, skill, and creativity, other components like staffing and management play their own roles in crafting an excellent wine. Whether your winery is family-owned or a corporation, it is important to anticipate risks and choose the right business insurance in Michigan and we can help you with customized features to meet the unique needs of your operation. For wineries, there are a number of key coverages that make up the right business insurance policy. One of which is an insurance coverage that provides you with a “manufactures selling price endorsement”. This allows for a higher valuation of your finished products. In the event of a covered loss, this coverage will account for the extra expenses that you will incur to replace and age the lost products.
Saturday, March 28, 2015
Construction is considered to be one of the most dangerous industries in the world. Scaling tall buildings, utilizing tools that could cause injury if handled improperly, and operating heavy machinery all make construction a very risky environment that puts both the workers and the property at risk. Property damage and employee accidents are all too common at construction sites. In fact, Forbes.com lists construction work as one of the deadliest jobs in America. According to their article, there were 210 fatalities that occurred last 2012, accruing a relatively high fatality rate of 17.4%. In a high-risk industry such as construction, contractors have to learn how to anticipate the worst. Accidents are bound to happen no matter how rigorous their safety measures are.
Friday, March 27, 2015
A vandalized car does not paint a pretty picture. Having someone intentionally damage your vehicle can be frustrating at the very least. Vandalism may be punishable by law in the state of Michigan but that doesn’t stop some people from maliciously defacing someone else’s property. Slashed tires, broken windows, and scratched paint can be very expensive to repair, and there’s nothing more vexing than spending hard-earned money on damage done by someone else’s hand. Most people don’t usually expect to become victims of vandalism and are often unprepared for such incidents. Some may find it difficult to immediately restore their cars to their former state. Having insurance coverage from a Michigan car insurance company can help to lessen the expenses the car owner has to deal with.
Tuesday, March 3, 2015
Winter with its crisp, cold air and delicate snowfall can be breathtakingly picturesque. Such beauty in nature, however, can easily turn ferocious. Stephanie Reid of Fox Business states: “In addition to the health and safety dangers of sub-zero temperatures, blinding snowstorms and inconspicuous ice sheets, winter weather can also be incredibly dangerous to your home.” In Michigan where it can get brutally cold in the winter, it’s important that your home insurance in Michigan needs to covers losses against damages or accidents caused by snow and ice. Snow and ice are the main threats during winter. Heavy snowfall can cause roofs to collapse. When snow melts on rooftops, it can pool towards the eaves and create ice dams that can damage roof structures; or if ice forms on the road, the ice sheets can pose great risk for falls, slips, and vehicle slide-offs.
Sunday, March 1, 2015
Today, because of the increasing power of the Internet, more and more companies, big and small, are moving their businesses online. By doing so, however, they become vulnerable to cyber-attacks. This is why it is important to have some form of business insurance in Michigan that would cover and protect online data. One such coverage is the cyber liability insurance, also known as private liability insurance or cyberbreach insurance. Elizabeth Weise of USA Today writes: “Cyberbreach insurance, which covers losses and costs due to hacker attacks on a company’s computer system, is a relatively new type of policy. It was first introduced in the 1990s, mostly to cover computer failures at banks and Fortune 500 companies.” This type of insurance became even more important in the 2000s when hackers began attacking the sensitive information database of various companies.