Safest 2016 Model Vehicles

Take a look at our article about the safest 2016 model vehicles – is your vehicle on the list?

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Minimum Wage Hike Set for 1/1/2016

The Michigan Minimum Wage is set to increase January 1 to $8.50/hour.
Refer to the Michigan.gov website for details Here.   

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Cyber Risks Newsletter May 2015.

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Business Insurance Information

Jan. 8, 2015 – Terrorism Risk Insurance Act (TRIA) program extended for six years.  TRIA was created in the wake of the 9/11 attacks and provides economic protection against specified terrorist attacks on people and property.   Terrorism losses are shared between the federal government and commercial insurers.

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Effective January 1, 2015, the Occupational Safety and Health Administration (OSHA) will require employers to report a work-related employee fatality within eight hours and amputation, inpatient hospitalization, or loss of an eye within 24 hours. Refer to OSHA’s website.

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WC Mod – What does your WC mod reveal about your company? There’s much more to workers’ compensation than price. Refer to this link – we can show you how an analysis of your mod can identify problem areas in your operations and ultimately lead to cost savings.

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Should you use a personal car for business use?  Consider the following:

Add hired and non-owned auto liabilitycoverage to your business auto policy, implement a company policy requiring attentive driving that includes mobile device restrictions, and require employees provide a valid driver’s license and proof of insurance coverage annually.

There are many other issues to consider when using a personal car for business use.  Contact us for more information on this complex issue.

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Do you have adequate Business Income & Extra Expense Coverage?

In the event of a covered loss, this coverage will provide you income and expense coverage while getting your normal business operations running again.  Have you evaluated your current policy and feel confident the limits provided will be enough to be operational quickly?