Top O' Michigan Insurance Solutions
    

Small Business


Are You Prepared for an Active Shooter Incident?

Recently, I was invited to an 'Active Shooter' training with Iron Fish Distillery  led by Deputy Michael Makowski of Grand Traverse County Sheriff's Office. You may be wondering, 'why would we be doing active shooter training in Northern Michigan?'. Active shooter risk is a very unfortunate reality in America which has led many businesses to prepare their teams for crisis ...

Six Steps to Minimize Business Interruptions

According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place.

Is My Business a Target for Social Engineering Fraud and Cyber Crime?

What is social engineering? It is the art of manipulating people in an online environment, encouraging them to divulge—in good faith—sensitive, personal information, such as account numbers, passwords, or banking information. Social engineering can also take the form of the "engineer" requesting the wire transfer of monies to what the victim believes is a financial institution or person, with whom the victim ...

How Can I Save Money on My Business Insurance?

How can I save money on my business insurance? Let's face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package - quality and price are important. 

What is Cyber Liability?

Does your business have a cyber exposure? YES!  Let's jump right to the point; every business has a need for Cyber Liability.  More than ever, we are seeing these cybercriminals targeting small businesses.  Although you may think of the big companies such as Sony, Target or Home Depot in recent years, it is now small mom-and-pop businesses that are targeted. ...

Who's the Boss After a Loss?

Your Duties After a Loss As insurance professionals, we're in the business to pay claims.  After all, that is why individuals, families and business owners invest money each year - to manage the risks that face them.  An insurance policy is called a "conditional contract".  This means that if the insured does X , the insurer will do Y (protect ...

Clarifying New OSHA Record-keeping Requirements: Employers Must Electronically Submit 300A Data

Recently, the Trump administration along with OSHA has made the decision to roll back part of their Improve Tracking of Workplace Injuries and Illnesses final rule.  With this change, employers no longer need to electronically submit the 300 or 301 forms but must still comply with the submission of Form 300A.  

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