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What type of insurance do you need?
Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Michigan. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable.
Michigan residents pay the highest auto insurance rates in the country. The average cost for car insurance nationwide is $1,311. In Michigan, residents pay an average of $2,476 per year. The best rates can be found by comparing quotes from multiple companies before choosing a policy.
Most Michigan employers are required to purchase insurance coverage that compensates workers who are injured on the job. Worker's compensation insurance pays for medical care and lost wages for the injured worker and protects employers from being sued for further damages. The Michigan Workers' Disability Compensation Act was adopted in 1912. It is administered by the Michigan Workers’ Disability Compensation Agency. Nearly all employers in Michigan are covered by this law, including public and private employees.
Restaurants in Michigan need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.
The state of Michigan mandates different insurance requirements for different types of vehicles. Those used to transport passengers or hazardous materials often have higher liability requirements. In addition, semi-trucks that are used for interstate travel need to meet the mandated insurance requirements of both the state of Michigan and the Federal Motor Carrier Safety Administration (FMCSA). Business owners need to make sure that their vehicles have the appropriate types and amounts of coverage in order to operate in this state.
Last year, small businesses in Michigan made $252,969,305. Accidents happen. And without insurance, business claims have to be paid out of pocket, meaning they have to be paid out of a business’s revenue. It's important to be properly insured in order to stay financially stable and keep revenues growing if something unexpected occurs.
Storms come in fast off the Great Lakes, and the Upper Peninsula is no stranger to snow and ice storms and flooding. But even if a hotel is located inland, there are still some common insurance claims to be aware of: flood damage, fire damage, liability claims, data breaches, and business interruption claims.
Umbrella insurance in Michigan works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.
The cost of a renters insurance policy will depend on the location of the home, the individual's risk factors, and the value of their personal property. Rental insurance usually costs much less than homeowners insurance, because the rental building is owned and insured by the landlord. All the tenant needs to cover is their personal property and liability. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.
Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.
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