Practical articles on the coverage decisions that actually matter — from nonprofit D&O to lessors risk gaps. Updated monthly.
What 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.