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Wendy’s Briefcase – Business Income and Extra Expense

Wendy's Briefcase - Business Income and Extra Expense

Business owners purchase insurance on their businesses, usually insuring their building, contents, liability and other coverages, similar to what a homeowner will purchase on their home, although in a more complex format.  One of the most important coverages purchased is Business Income and Extra Expense.  This coverage

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Wendy’s Briefcase – Construction Safety

Wendy's Briefcase - Construction Safety

Construction worksite management has been a high priority for both OSHA (Occupational Safety and Health Administration) and MIOSHA, which is the State of Michigan’s offshoot of OSHA.  Over the last few years, and especially now with new construction ramping up again, these safety associations have been conducting

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Simply Sandra – Grilling Without Grief

Simply Sandra - Grilling Without Grief

According to the National Fire Protection Association (https://www.nfpa.org) July is the peak month for grill fires. An average of 16,600 patients per year went to emergency rooms because of injuries involving grills.Half (8,200 or 49%) of the injuries were thermal burns. Children under five accounted for an

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Simply Sandra – Why Schedule Your Personal Property

Simply Sandra - Why Schedule Your Personal Property

According to findings from a 2013 National Crime Victimization Survey conducted by the U.S. Department of Justice’s Bureau of Statistics, U.S. residents were victims of approximately 23.2 million crimes, these included burglaries, thefts, and property damage crimes. Here are just a few of the many benefits of

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In the “Nick” of Time: Minimizing Your Business Insurance Costs – Part 3

In the "Nick" of Time: Minimizing Your Business Insurance Costs – Part 3

In this installment, we continue to look at ways for businesses to help keep their insurance costs as low as possible. Start early. In order to gain control over otherwise unacceptable increases, businesses must start early in the process of reviewing their program with their agent and

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The Insurance Nerd: Mental Health Awareness

Tony Stark in the MCU was always a really confident guy. That is, until the after events of the first Avengers movie. When we see Tony again in Iron Man 3, he’s a hot paranoid mess. The great Ironman, “billionaire genius playboy philanthropist,” is suffering from Post-Traumatic

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Wendy’s Briefcase – It’s Boating Season!

Wendy's Briefcase - It's Boating Season!

Boating season has arrived!  Let me tell you a story about a storm that occurred on Lake Fenton in 2017, in Fenton Michigan.  The storm was so strong that it ripped boats from their docks, regardless of how well they were secured.  Boats crashing into docks, boats

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The Insurance Nerd: Summer Health Tips

The Insurance Nerd: Summer Health Tips

When the weather gets warmer, even the nerdiest amongst us may pull ourselves away from our books, computers, and video games to get outside and enjoy summer activities. While we may be less likely to develop an acute case of Gamer Thumb, there are many other injuries

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In The “Nick” of Time: Minimizing Your Business Insurance Costs – Part 2

In The "Nick" of Time: Minimizing Your Business Insurance Costs – Part 2

In this installment, we continue to look at ways for businesses to help keep their insurance costs as low as possible. Take into account the physical make-up of your business. Loss control representatives will likely visit your business to review your exposures and to decide whether to

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Simply Sandra – Umbrella Policies are not Policies to Cover Umbrellas!

Original Artwork by Annabelle Czak Every year thousands of people get sued because of car accidents, incidents taking place on their property or away from their homes and due to the actions of their children. It is scary to think that one small circumstance that takes place

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