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ACA Re-Enrollment after Living Abroad

One of the issues facing US citizens temporarily living abroad involves the ability to purchase health insurance upon their return.  And with the prevalence of university “study abroad” programs nowadays, this situation can be more relevant than one would think.   Most people who temporarily move to

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Wendy’s Briefcase: Business Personal Property at Home

Wendy's Briefcase: Business Personal Property at Home

Attention business owners and especially artisan contractors, did you know that storing business personal property at your home could possible jeopardize your homeowner coverage?  Some insurance companies exclude coverage for detached structures, either used in your business, or in which you store your business personal property.  These

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What is Mini Tort? By Sandra Czak   What on Earth is Mini Tort? Is it a Very Small Tortoise? Is it a Tiny Pastry? So many people here in Michigan hear the term “mini tort” and have no clue what their insurance agent is talking about.

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Wendy’s Briefcase – Worker’s Compensation Law

Wendy's Briefcase - Worker's Compensation Law

Workers Compensation Insurance is an insurance coverage that most employers are required to carry, by Michigan law.  The law states that all “private employers regularly employing 1 or more employees 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks” are

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Wayne County’s Most Dangerous Intersections

Wayne County's Most Dangerous Intersections

Does your daily commute take you through one or more of the most dangerous intersections in Wayne County? Listed below are the areas top 10, accounting for more than 870 car crashes in 2017. According to Michigan State Police crash data, the most dangerous intersections in the

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In the “Nick” of Time – The Evolution of Emergency Room Benefits

In the "Nick" of Time - The Evolution of Emergency Room Benefits

In the old days, most health insurance plans covered emergency service with a simple co-payment. Visits to the ER typically required a flat fee of between $50 and $150, with the remainder of the charges being picked up by the patient’s health insurance policy.  And during this

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Wendy’s Briefcase: Business Income and Extra Expense

Wendy's Briefcase: Business Income and Extra Expense

Business Income and Extra Expense coverage is a misunderstood coverage and is often neglected, however it is the coverage that puts your business back to its original financial condition after an insured loss, such as a fire!  If the building, your business is located in, suffers a

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Simply Sandra – SMART Goals

SMART Goals By Simply Sandra Question: How do you eat an Elephant? Answer: One bite at a time. If you want to reach your goals placing them in a manageable structure can help you to turn them from dreams to reality. When you look at your goals

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Simply Sandra – New Year: New Insurance Resolutions

Simply Sandra - New Year: New Insurance Resolutions

New Year: New Insurance Resolutions By Simply Sandra AUTO Review your policy to determine if you need to add additional coverage for things like collisions, theft, rental cars, medical payments exceeding a certain limit, and towing and labor- things that basic coverage plans often exclude. Also if

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Simply Sandra: The Dearborn Agency Thanksgiving

Simply Sandra: The Dearborn Agency Thanksgiving

      In honor of the day, I thought it would be fun to share some of the ideas our staff either makes or loves to eat for Thanksgiving, including recipes where I could get them.           Cathy Blevins: Deep Fried Brined

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Dearborn, MI  48124
Phone: (313) 562-8373
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