An insurance agent can help you through the buying process and beyond. Some of the benefits of working with an insurance agent are:

• Help you determine the right amount of coverage for your needs.
• Assist you with understanding the different insurance terms and coverages.
• Compare prices from multiple insurance companies and help you find the best coverage and price.
• Local to your area and experienced in the needs of your area.
• Throughout your policy if you have any questions, changes or need to file an insurance claim an agent can help you because insurance is complicated.

Whether you’re a client or shopping for insurance, there is no charge to speak to an agent about coverage or to get a quote. Agents are here to help you because insurance can be confusing.

It’s always a good to report the accident as soon as possible, but that may not be something you can do right away if you were injured. If your injuries aren’t life threatening, you can call your agent on your cell phone, from the hospital or when you get home.

Business insurance is not legally required, but it may be required to obtain financing, or in attracting customers. Running a business and foreseeing all the potential exposures you face can be challenging. Talking to an agent can help you better understand your risk and why insurance is an important component to your business planning.

Michigan law requires that an employer must be able to prove it can pay benefits in the event that a worker is injured on the job. It is important to understand what workers’ comp covers and when it is mandatory.
An employer must carry workers’ compensation insurance in Michigan if:
Employs one or more people for 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks (or one year).
Private employer that regularly employs three or more people at a time.
Agricultural employer that employs three or more employees for 35 hours or more per week for 13 or more consecutive weeks.
A household that employs domestic servants for 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.
It is a public employer.

A declaration page is part of your policy that includes your name and address, descriptions of the insured property or vehicle(s) and your premium. It outlines your policy’s coverages, limits, deductibles, discounts and relevant insurance policy forms and endorsements. This is often request because it helps an agent to understand what coverages you currently have and need.