Media Center

Increased cyber claims have necessitated the insurance carriers to scrutinize cybersecurity controls with an increasingly rigorous underwriting process. We are seeing premium increases 60 percent to 100+ percent. As insurance carriers focus on controls, cyber hygiene is crucial to securing cyber liability insurance coverage, and Multi-Factor Authentication (MFA) is essential.…

In Part 1 of this article we discussed the importance of Permanent Total Disability (PTD) and what to look for when acquiring it. For this part let’s turn our focus to Loss-of-Value (LOV) insurance. Remember that PTD covers an athlete in the event of a career-ending injury. LOV, on the other…

Many employees are postponing retirement and working beyond the traditional retirement age of 65. While this segment of the workforce provides important experience, there are some challenges for both the employer and the employees. Employees may not fully understand what Medicare offers and stay on the group health plan at…

While rates for most insurance coverages—including property and casualty, cyber risk, and others—have increased over the last 12 to 18 months, rates for product recall coverages have actually dropped over the same period of time. Product recall coverage has traditionally been viewed as an ancillary item that many businesses in…

As professional sports continue to rise – both in prominence and revenue – so does the need to protect the future earnings of its athletes within. Whether you, or your client, plays basketball, football, hockey or some other highly-compensated sport, there are absolute dos and don’ts when it comes to buying disability insurance. The first step…

As you look at options for insurance, the thought of captives may sound intimidating. Captives are simply defined as insurance companies owned by the insured. Captives are a way for a business owner, either alone or with a small group of aligned businesses, to take on self-insured risk for issues…

When it comes to water, we’re stuck in a love-hate relationship. In Michigan, we’re surrounded by it and celebrate it every summer when we launch our boats, head north with the jet skis, and plan our beach outings. Yet, water can quickly turn on us, replacing fun with considerable property…

The food and agriculture business sector faces several challenges and risks that are unique to the industry. This makes finding the right insurance coverage more critical and relies on dedicated policies and carriers to ensure the proper minimization of risk to you, your business, and your employees. Whether you’re a…

Your business is unique. While you may operate in the same market as your competitors, the conditions surrounding your company are yours and yours alone. As a result, your insurance coverage should also be unique to your business and be specific to fit your needs. You may find that a…

Insurance is a unique product. Most people only think of it when they need to file a claim, at renewal time or when they find their current carrier is no longer able to meet their needs. While price is important, it is not the main driving force behind insurance coverages.…