Practical articles on the coverage decisions that actually matter — from nonprofit D&O to lessors risk gaps. Updated monthly.
Detroit's biggest building boom in a generation is here — a data-center campus, a $350M I-94 rebuild, the Michigan Central district, a downtown racing to the 2027 Final Four. But the insurance to win those big jobs got harder in 2026, with excess and umbrella limits up as much as 30%. Here's what major projects require, why coverage tightened, and how to be bid-ready.
Read articleMichigan's cannabis market is booming in volume but brutal on margins — and insurance is both mandatory and genuinely hard to get. Here's what the state requires, why federal law pushes coverage into the surplus-lines market, the exclusions that bite, and how an independent broker gets a dispensary or grower properly covered.
Read articleCommercial auto premiums keep climbing — but telematics can cut yours now. Michigan fleets can earn 10–30% off just for enrolling in usage-based programs like Progressive's Snapshot ProView. Here's how it works, the catch at renewal, and how an independent broker gets you the best number.
Read articleMichigan's Earned Sick Time Act now reaches almost every employer and the minimum wage is climbing to $15. Here's what applies to your business, the sick-time and wage rules you must follow, and where a misstep becomes an employee claim — plus the coverage that protects you.
Read articleCommercial auto and trucking premiums keep climbing, and nuclear verdicts are a big reason why. What they are, why they hit Michigan fleets hardest, and the practical steps — limits, umbrella, telematics, driver vetting — that protect your business.
Read articleChurches and nonprofits carry exposures most policies miss — abuse & molestation, volunteer drivers, board (D&O) liability, embezzlement, property, and more. Here are 8 risk gaps that can undo a mission, and how to close them.
Read articleAmazon Relay, freight brokers, and shippers set hard insurance requirements for motor carriers — on top of the FMCSA minimums (MCS-90, BMC-91). Here's the commercial auto and trucking coverage they demand, what the fine print means, and how to meet it without overpaying.
Read articleMichigan has some of the priciest auto and home insurance in the country. Here's what actually lowers your premium — bundling, PIP choices, smart deductibles, and the umbrella that keeps you protected while you trim.
Read articleWhat makes NEMT (non-emergency medical transportation) so hard to insure in Michigan — passenger liability, abuse & molestation, no-fault, and the Medicaid contract requirements that can shut an operator down overnight.
Read articleStorm season exposes the gaps in a lot of Michigan business policies — flood exclusions, missing business interruption coverage, and underinsurance. Here's what to check before the next big one.
Read articleMichigan auto insurance is rising in 2026 — what's behind it, how the MCCA catastrophic-claims charge really works, and the levers you actually control, from your PIP choice to shopping carriers.
Read articleWorkers' comp in Michigan: who's required to carry it, the criminal and personal-liability penalties for skipping it, and how it shields your business from lawsuits — plus the case that reshaped the rules.
Read articleCommercial auto insurance in Michigan — the personal-policy gap, how the state’s no-fault reform affects your vehicles, and the hired & non-owned coverage most businesses skip.
Read articleMost co-owners spend years building together without writing down what happens if one dies, retires, or walks away. A practical guide to buy-sell agreements — what they cover, the two common structures, how to fund them, and the mistakes we see most often.
Read articleThe coverage gaps commercial landlords most often overlook — from loss of rents to ordinance & law — and how a lessors risk policy is built differently than an owner-occupied one.
Read articleWhy nonprofit board members are personally exposed without D&O coverage — what it protects, common claims, and what a good policy actually includes.
Read articleWhatever’s on your mind — coverage, claims, or just a second opinion — we’re here. No pressure, no obligation.