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.
http://bit.ly/1SaSb3P

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.
http://bit.ly/1WHKrgm

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.
http://bit.ly/1XOTxpq

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.
http://bit.ly/1XOSJRF

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.
http://bit.ly/1XOSvd3

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.
http://bit.ly/1gbjbCH

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.
http://www.alliedinsmgr.com/michigan-home-insurance-the-benefit-of-enhancing-your-homes-security/