Well-Protected Homes: Why You Should Never Go without Home Insurance

When you get a home, you should make sure that you have adequate homeowners insurance. If you have a mortgage, your lender is going to require that you spend $500 to $1,000 to make sure that you can fix any damage that happens to the home. It will also provide you with financial protection in the event that anyone is injured while on your property. Don’t Put Your Family or Your Business at Risk If someone is hurt on your property and wins a judgment against you, the judgment could be worth thousands of dollars or more. In extreme cases, you may be forced to sell your home or other belongings to pay that amount. In the event that you have to file for bankruptcy, business assets as well as personal assets could be liquidated if you operate as a sole proprietor. In a Chapter 7 case, you are obligated to stop running your company.
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Protecting Your Business: How to Save Money on Business Insurance

Business insurance offers many benefits to you, such as providing you with liability coverage, loss of income coverage and more. However, the premium is a regular expense in your budget, and you may be looking for an effective way to reduce the cost of your premium so that you can enjoy lower overhead in the months and years to come. There are a few helpful tips you can follow that could yield a lower premium. Opt For a Higher Deductible The deductible on your business insurance policy is directly linked to your premium. When the deductible is higher, the premium will be lower. You can speak with your insurance agent to learn more about the premium savings available to you by opting for different deductible amounts. Keep in mind that you will need to pay for your deductible each time you file a claim.
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How the Right Business Insurance Agent Can Help You Flourish and Grow

Business insurance is a necessity, but buying insurance can seem confusing at times. For example, you may not know how much coverage you need or even what some of the different insurance lingo means. While you could buy insurance on your own, a better idea is to put the services of a skilled and experienced business insurance brokers to work for you. Your business insurance agent can help you with your new policy in several different and beneficial ways. Identifying Your Coverage Needs From liability to loss of income and more, there are various components to a business policy that may benefit you at one time or another. Determining which coverage is needed can be challenging. Your insurance representative will help you to identify which type of coverage is most beneficial. In addition, your agent can explain what coverages that benefit your particular situation and that are also the most cost-effective.
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Saving on Insurance: Three Easy Ways to Save Money on Auto Insurance

If you have a car, you need to have auto insurance. In fact, if you finance your car, you have to have insurance as a matter of getting a loan. Most drivers hope that they never have to use their auto insurance, but it can save you hundreds or thousands of dollars in the event that anything happens to your car. Here are some ways that you can save money on your auto insurance. Saving on Insurance Bundle Your Auto Insurance with Another Policy One of the easiest ways to save money on your auto insurance is to bundle it with some sort of other policy. For instance, you could try to bundle your auto coverage with your renters insurance or homeowners insurance. That may entitle you to a discount on both policies, which allows you to save money that could go toward a vacation or help pay down other debt.
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Business Insurance Broker for Contractors in the Construction Industry

Allied Insurance Managers, Inc. understands all the risks involved for professionals working in the construction industry. Financial costs that can arise out of bodily injury or property damage to a third party can be extremely high for both upper tier and lower tier contractors, hence the need for insurance coverage that covers all bases. As a leading business insurance broker in Michigan, our company specializes at insuring all types of contractors in order to help relieve professionals of financial responsibility and liability. Although insurance is what we mainly offer, we also specialize in risk transfer, loss control and other risk management solutions for the Construction Industry. We cater to general contractors, paving contractors, street and road contractors, mechanical contractors, HVAC contractors, plumbing contractors and more.
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Home Insurance Professionals Warn on Damages from Harsh Winter Weather

People in Michigan appreciate some natural wonders that residents of more southerly locales can’t always enjoy. The State of Michigan encompasses two peninsulas that span the entrance to Lake Michigan. Blessed with some exceptionally lovely wilderness areas, this region of the United States offers incredibly beautiful winter scenery. Home Insurance Along with memorable snow covered landscapes, during colder months Michigan residents endure bitterly cold weather. Frigid winds blow across the icy Great Lakes. These conditions sometimes create unusual hazards for homeowners. Purchasing a homeowners insurance policy furnishes greater peace of mind for property owners during winter months. Even the hardiest residents of ‘The Great Lake State’ appreciate this extra protection.
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Protecting Your Business: Know Your Options for Business Insurance

Risks associated with doing business exists for companies of all sizes. The business may be in its fledgling stages or it may have grown considerably to a thriving small company. In either case, no business owner can afford to risk their life savings or good name in the event of an accident or legal claim. Protecting Your Business Businesses should be protected with the right level of insurance. A brick and mortar storefront with an influx of customers will likely need property insurance should an accident or fall happen. If an employee becomes injured while out on the road conducting business on a company’s behalf, the right worker’s compensation policy could be key in limiting out-of-pocket expenses. Although a company may not operate a full fleet of vehicles, any car used for business purposes should be protected just the same.
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AUTO INSURANCE IN MICHIGAN WARNS DRIVERS TO STAY ALERT WHEN DEER MAYBE PRESENT

As the winter months quickly approach and temperatures continue dipping, deer activity on streets and vehicle accidents involving them continue rising. According to the Michigan Deer Crash Coalition, there is an average of one hundred and twenty-five deer crashes involving vehicles in the Great Lakes State daily. However, many of these crashes go unreported to car insurance in Michigan. Deer Behavior Drivers are most likely to encounter deer from dawn to dusk, but accidents involving deer can occur during nighttime hours too. Between the months of October and December is the annual breeding, or rut, season for deer. For those living in southern states, these breeding months could extend further into January. When deer are searching for their mates, their behavior is very unpredictable and active. It’s important to use caution when driving during these times of the year, when in areas known for deer activity.
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Michigan Business Insurance: Protection against Equipment Breakdown

All Michigan businesses experience equipment failure at some point. Even if you have your own team of troubleshooters, major breakdowns can still seriously hamper your operations. Without the right business insurance coverage, you’d have to deal with costly repairs and replacements, all the while incurring revenue loss. This is the very reason why you should consider getting equipment breakdown insurance. Filling the Gap in Property Packages Equipment breakdowns require a specialized form of coverage. Standard commercial property packages do not usually cover business interruption losses and extra expenses due to mechanical mishaps. When damage to another property ensues, when your business has to close for an extended time, or when special parts are not readily available to repair your damaged equipment, losses can easily add up and balloon. Equipment breakdown insurance is intended to fill these exclusions.
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Homeowners Insurance: What it Offers to the Average Michigan Resident

A typical Michigan resident can choose among the many types of home insurance policies available on the market. Before you invest in one, however, you need to be informed as to which coverage options would be the most beneficial for you. After all, nobody likes throwing his or her hard earned money away with nothing to show for it. Yet, there are numerous reasons why homeowners insurance is a wise and sound investment for any property owner. Protection of Investment Perhaps the most significant benefit that homeowners insurance offers you is protection of your property. Investing in a home is no small investment. In fact, the cost is so large that it may take you many years to pay off the debt. After putting so much money into something, you don't want to have to worry about one unfortunate event causing it all to go to waste. Homeowners insurance protects the amount of money that you've already invested in your home in the event of emergencies or natural disasters.
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Mitigating Risks Through Investing in Business Insurance in Michigan

Running any kind of business involves a certain amount of risk from the moment you take a gamble and create your very own company. Fortunately, the businessman of today in Michigan or anywhere else doesn’t have to carry all the burden of running his business all alone. Having a business insurance policy specifically designed to help you protect your investment and offer you piece of mind. Transferring of Risk Perhaps the most significant benefit of investing in business insurance in MI is that you'll be able to transfer some of the risks to the insurance company. By paying the insurance company a small premium, you won't have to stress yourself out so much in case your business suffers a loss. If you have ample coverage, your insurance should be able to take care of the costs until you can get back on your feet.
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The Benefits of Utilizing the Services of a Business Insurance Broker

No matter what type of business you're running, it's always a good idea to invest in business insurance. Business insurance not only protects your business in the event that something negative occurs, but it can also provide business owners with the peace of mind that they need to focus their minds and attention on the success of their businesses. Transferring some of the risk involved in owning a business to a business insurance company can greatly alleviate your stress, but sometimes finding the type of insurance that's best for your business can be challenging. Fortunately, you don't have to search through numerous business insurance providers all on your own, which can be a huge and time-consuming process in itself. Utilizing a skilled business insurance agent can save you much time and hassle when it comes to securing insurance for your business.
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Michigan Home Insurance: As a Renter, You Need Protection Too

Renting usually means you have fewer things to be concerned about. Should the drain clog, there’s your landlord’s plumber to fix the mess. Should the air conditioning stop working totally, all you need is to call the property owner to have it replaced. This is why it often takes some serious events, such as a burglary, fire or an accident, for many renters to realize why they need an insurance. As a Renter, You Need Protection Too In fact, according to Simple Dollar, renters insurance is the least purchased product in the insurance market. On a 2012 poll, while 96% of homeowners have home insurance, only 31% of renters have theirs. While some can’t afford an insurance in the first place, there are renters here in Michigan who mistakenly assume they are covered by their landlord’s policy. There are also those who underestimate the value of their belongings, although the latter could easily add up to thousands of dollars.
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Business Insurance Brokers: Find the Right Coverage for a Golf Course

Golf courses face insurance risks that are unique to their industry. Though such locations project scenes of serenity and tranquility, golf courses are still businesses. And like any business, there are dangers that could result in a potentially significant insurance claim at any time. Risk assessments and having the right business insurance agent are key to avoiding such unfortunate circumstances. Below are some of the types of coverage that trusted insurance companies offer golf course owners. Golf Cart Insurance Golf Carts are the primary mode of transportation for golfers on the green. Regardless if your patrons use them off-road or on, proper insurance can help you protect your investment.Golf carts can get stolen or damaged, and they can also cause serious damage or injuries in an accident. Even if you’re not legally bound to buy insurance for your golf carts, it will be wise for you to do so for your own peace of mind.
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Michigan Car Insurance Info: Get to Know the State’s No-Fault Law

When it comes to automobile, bus, truck, or motorcycle accidents in Michigan, it is important to note that the state practices a no-fault policy. Under Michigan’s No-Fault Act, your auto insurance company will be the one responsible for paying most of your economic damages, regardless of who’s at fault. Coming into effect on October 1, 1973, the law was designed to achieve two things: compensate persons injured in auto accidents quickly and equitably, and limit lawsuits by paying benefits quickly. Michigan Auto Law enumerates the five benefits you could be entitled to should you find yourself involved in a car accident in the Great Lake State.
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Umbrella Business Insurance: Protection against Devastating Lawsuits

The United States is an extremely litigious nation where everyone can sue anybody for just about anything. Businesses are primary targets, with lawsuits (ranging from evident company errors to frivolous claims) reaching hundreds of billions of dollars a year. Either way, if a legal settlement or verdict exceeds your Michigan business’s liability coverage, your solvency would be at risk. For these reasons, it’s a wise move to get an umbrella business insurance policy which would provide added protection against disastrous losses arising from lawsuits. Consider the following scenarios: • One of your employees driving a company vehicle gets involved in an accident that injures others. • A customer suffers from a slip-and-fall injury because your premises weren’t maintained properly. • A manager is accused of harassment by an employee. • You sold a faulty product that caused damage to a customer’s property.
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Why Home Insurance is Essential to Condominium Owners in Michigan

Condo associations in Michigan typically have insurance policies, but these tend to not cover everything in the complex. Such policies would most likely just include common areas of the building, including the common rooms, hallways, pools, and the exterior. Depending on what is written on the condo association’s master policy, condo owners would need a separate home insurance policy that would cover individual and personal needs. Home insurance for a condo unit would cover both personal property and personal liability for added protection. Home insurance for condominiums is referred to as a dwelling policy (DP). It is a multiple-line insurance that has property and liability coverage. It can cover damage to furniture, clothing, appliances, and other personal items as well as personal belongings in the home or elsewhere. The policy can also cover the common loss assessments made by the condo association for all unit owners.
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Business Insurance Agent: Garage Insurance for Auto Repair Services

Regardless of your business’s size, protecting the vehicles in the premises of your auto repair shop is a must. Commercial auto insurance will help you mitigate the impact of possible unpleasant events (such as shop accidents, servicing errors, and equipment damage) on your finances. With the help of a business insurance agent from Allied Insurance Managers, you can arm your business with the right coverage against any future challenges you may face as an auto repair shop owner. One of the policies we highly recommend is our Garage Keepers Liability Coverage. What is Garage Keepers Liability Coverage? Generally, you need this coverage to protect customer vehicles from occurrences such as fire, theft, bad weather, or vandalism at your place of business. Our insurance is specifically designed to protect you in case a customer vehicle is damaged while kept at your business location for storage, parking, or maintenance and repair.
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MI Auto Insurance: Filling the Gap with Guaranteed Auto Protection

Your current auto insurance serves as your safeguard in case of total vehicle loss. But what if the insurance proceeds are not enough to pay off the outstanding balance or lease payments on your vehicle? There remains an obligation for you to pay the deficiency. In this case, you may want to get additional coverage, specifically the Guaranteed Auto Protection (GAP), for extra security. Here in Michigan, Allied Insurance Managers can provide you this supplemental coverage. As with all types of policies, GAP insurance has its limitations. Generally, it excludes overdue payments; penalties due to excessive use; carry-over balances from past loans and leases; deductions for wear and tear, towing, storage, and prior damage by the main insurer; add-on installations to the car; and insurances purchased along with the loan or lease.
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Michigan Home Insurance: The Benefit of Enhancing Your Home's Security

Whether you’re out for a week-long vacation or you have an event to attend during the night, leaving your house unattended and unsecured can make it especially enticing to burglars. Although you can’t make your home entirely safe from thieves, there are certain safety measures you can take to drastically reduce your risk of becoming a victim. We at Allied Insurance Managers, Inc. encourage Michigan homeowners like you to consult with us regarding home insurance to minimize potential property losses should the worst occur. Standard homeowner policies are divided into several categories, but home insurance typically covers liability for accidents that occur within the premises, as well as the loss of a home’s content or the owner’s possessions. Policies for residences require that those who are insured are living in the property.
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