Workers Compensation for Self-Employed Businesses Workers comp for self-employed business owners protects your employees and your business from work-related accidents, illnesses, and even death. Every state carries individual requirements that employers have insurance to cover medical costs and lost wages for workers who are injured or become ill on the job. If you don’t carry…
Floods: What You Need To Know Even small amounts of flooding can wreak havoc on your wallet. According to the NFIP (National Flood Insurance Program), it only takes one foot of water to cause upwards of $27,000 in damages to a 1,000-square foot home. If you think a regular homeowners insurance policy covers losses caused…
Navigating the Changes of Auto Reform Michigan auto reform went into effect July 2, 2020. You now have more choices when it comes to your coverage selections for your personal injury protection (PIP). Michigan’s new insurance laws allow you to select your insurance coverages according to your needs. We recommend you review your options with…
Insuring Your Home For The Right Amount Depending on the age and condition of your home, calculating the insurance value or reconstruction cost, can be a complicated process. This provides you with information to better understand the valuation process. What is reconstruction cost? Reconstruction cost, or replacement cost, is the cost to hire a contractor…
Motorcycle Safety: We Want To Help You Rest Easy & Ride Safely New gear? Update your policy. Your motorcycle policy may or may not cover the first $3000 in custom parts and equipment. Though you don’t have to list the items, Future recommends that you annually review your accessory inventory to ensure you have adequate…
Life Insurance 101 Life insurance is one of the best tools for ensuring your loved one’s futures are financially secure in the event of tragedy. When you decide to purchase life insurance, you can choose between term or permanent. To make the right decision, you should know and understand your options: TERM LIFE INSURANCE: Term…
Umbrella Liability: Protecting Your Business The reasons you purchase insurance to protect your business are well known, but what about purchasing umbrella liability? Often thought of as an excess coverage that is for catastrophic claims, umbrella liability is becoming an essential coverage for your business. Here’s why: • Loss Payouts Are Increasing • A Million…