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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Expanding Abroad? Is Your Business Protected?

More and more U.S.-based businesses are expanding globally. This choice not only brings in a diverse set of customers and greater revenues to fuel company growth; it also provides exposure to innovative and culturally-sensitive business methods that can further develop management practices. However, these new opportunities come with risks. Here at home, business owners understand the legal complexities their ventures may be facing, but things are different outside U.S. borders. Allied Insurance Managers, Inc.¬¬¬— a business insurance provider— can help you find the right foreign liability insurance here in Michigan.
http://www.alliedinsmgr.com/expanding-abroad-is-your-business-protected/

New Business Insurance Policies for Bowling Alleys

Our continued commitment to provide some of the best insurance products in an ever-expanding range of industries allows us to offer our clients more options when it comes to securing their businesses and properties. This is why we are now offering our new Bowling Alley Policies, which are specifically designed to help proprietors who operate bowling alleys insure their businesses. A business insurance agent from Allied Insurance Managers, Inc. can help clients understand this new insurance policy. Here are some facts about Bowling Alley Policies. A Bowling Alley Policy provides liability protection for the business itself, including the employees and volunteers who run the operation. It will cover claims from injuries to spectators, and even be made to include participant liability. Our general liability limits start at $1 million per occurrence with a $3 million aggregate.
http://www.alliedinsmgr.com/new-business-insurance-policies-for-bowling-alleys/

Determining Coverage Needs for Commercial Auto Insurance in Michigan

Companies and entrepreneurs in Michigan, or anywhere else for that matter, put a lot of their assets at risk to operate their businesses on a daily basis. An insurance policy helps protect these assets when an unfortunate accident occurs. Perhaps one of the most important types of insurance in the market is commercial auto insurance. This is why we at Allied Insurance Managers, Inc. offer several coverage options with our commercial auto insurance policies. We can write anywhere from one auto, to an unlimited amount on a business policy. In addition to this, we partner with a wide range of trusted carriers. A commercial auto insurance policy basically works like personal car insurance. The only difference is that it can cover damages caused or sustained by an uninsured commercial vehicle. A standard commercial auto insurance policy covers employees, equipment, goods and the business itself; especially if a lawsuit is involved.
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