|
Rainy Season is Here
Is your home properly protected? Are you in need of Flood Insurance?
Please call us today for a quote!
Insurance
Property
General Liability
Professional Liability
Directors & Officers Liability
Automobile
Workers Comp
Umbrella
Home
Auto
Recreational Vehicles
Bonds
Life & Disability
Group Health
401K
Investment & Retirement Planning
Risk Management Services
My Wave
Trak 1
Summit Training
Comp Watch
Disaster Planning
Safety Procedures
Safety Program Planning
Documented Safety Training
Pre-employment Screening
Return-to-Work Program
Eastern Michigan
Agencies Inc
24220 Jefferson Ave
St Clair Shores MI 48080
586-778-9900
586-778-9915 Fax
| |
|
|
|
When Selecting an Insurance Agent/Agency
The carrier, of course, is only half of the equation. With a broker, trust is foremost. You'll be working with the broker closely, so you need to have trust to establish a comfort level that lets both parties work in tandem to get the best results. Look for an experienced broker that has demonstrated that they will do the right job for you expeditiously. If you need professional loss-control services, look for a broker that can provide them.
The size of the brokerage firm doesn't always matter as much. A small brokerage firm can be terrific, and a big one can be mediocre - and vice versa. Instead of worrying about size, look for service excellence and first-rate knowledge.
|
|
Business Interruption Insurance
Should You Insure Ordinary Payroll?
Among the many decisions an employer makes when buying business interruption insurance is whether or not to insure ordinary payroll, and if so, for how long? We review this specific issue with you at every renewal because each client's situation is different and can change from year to year. The skill level of employees, type of operations, plant and office locations and the economy all need to be considered when determining whether or not to purchase ordinary payroll coverage. These same factors will also help determine the length of time the coverage will be needed.
Ordinary payroll is defined as payroll, employee benefits (if directly related to payroll), FICA, Medicare payments, union dues, and workers' compensation premiums for employees other than officers, executives, department managers, and employees under contract. Payroll for officers, executives, department managers and employees under contract is automatically considered to be included for coverage as part of the overall business interruption coverage form, since without these key people, a business could not recover.
In most cases, there should be little question about whether continuation of all payroll during a brief shutdown is "necessary." However, without proper documentation, your insurer may contest keeping some employees on payroll during a prolonged shutdown. You can eliminate coverage for ordinary payroll completely or you can insure the cost of ordinary payroll for a limited period of time. Normal limitations for payroll would be 90 or 180 days.
If you choose to eliminate ordinary payroll coverage, you will reduce your insurance costs. However, doing so creates what may be an important uninsured exposure. Your representative can provide you with alternatives, including and excluding ordinary payroll. More importantly, we can review this and many other critical issues concerning your business interruption insurance. |
Personal Lines Referral Contest
Homeowners and Automobile
"2 WAYS TO WIN"
1. Send us a referral and we will send you a gift card for Starbucks or Blockbuster
2. Quarterly $50 Gift Card drawing |
|
Flag Etiquette
-
When displayed either horizontally or vertically the union should be uppermost and to the flags own right, or to the viewers own left.
-
No other flag or pennant should be placed above, or if on the same level to the right of the US flag, except during church services conducted by naval chaplains at sea.
-
When flags of states, cities, or localities are flown on the same halyard with the flag of the United States, the latter should always be a peak.
-
When the flags are flown from adjacent staffs, the US flag should be hoisted first and lowered last.
-
The US Flag when displayed with another flag against a wall from crossed staffs, should be on the right, the flags own right, and its staff should be in front of the staff of the other flag.
-
The US Flag should be at the center and the highest point of a group of flags flown together.
-
When flags of two or more nations are displayed, they are to be flown from separate staffs of the same height.
-
The flag, when flown at half-staff, should be first hoisted to the peak for an instant. On Memorial Day the flag should be flown at half staff until noon only. The President can order the US flag to be flown at half staff for any prominent death in respect of their memory. | |
|
|
|
