Learning Center

General Liability vs Professional Liability — Key Differences
By Bryan Gutowsky October 6, 2024
Learn the key differences between general liability insurance and professional liability insurance. Discover which coverage your business needs to stay protected from lawsuits and claims.
Does Your Business Have To Pay The Ransom If You’re Hacked?
By Bryan Gutowsky October 3, 2024
Do businesses have to pay hackers if they suffer a ransomware attack? Learn what recent data shows, why ransom payments are declining, and how cyber insurance protects your company from growing cyber risks.
How Much Commercial Property Insurance Does Your Business Need?
By Bryan Gutowsky October 2, 2024
Learn how to determine how much commercial property insurance your Michigan business needs. We cover building coverage, tenant improvements, business personal property, flood, ordinance or law, equipment breakdown, and more.
What Are The Workers Comp Rates In Michigan?
By Bryan Gutowsky October 1, 2024
Learn how workers compensation insurance rates are calculated in Michigan. We cover payroll, class codes, industry risk, and experience mods so you can better understand what impacts your workers comp costs.
Broad vs Standard Collision Deductible - What's The Difference?
By Bryan Gutowsky September 30, 2024
Learn the difference between broad vs. standard collision deductibles in Michigan auto insurance. Compare costs, coverage, and when each option makes sense.
General Liability Insurance for Commercial Real Estate
By Bryan Gutowsky September 25, 2024
Learn why general liability insurance is essential for Michigan commercial real estate owners. Protect your properties from liability claims, legal defense costs, and tenant risks with the right coverage.
Disability Benefits - Temporary vs Permanent?
By Bryan Gutowsky September 24, 2024
Learn the difference between temporary and permanent disability benefits under Michigan workers compensation. Understand how each benefit works, who qualifies, and how they impact lost wages after a workplace injury.
What Are Commercial Auto Insurance Rates in Michigan?
By Bryan Gutowsky September 22, 2024
Wondering how much commercial auto insurance costs in Michigan? Learn what factors affect rates—including vehicle type, drivers, cargo, fleet size, and more—and what small business owners can expect to pay.
What Is a BOP? (Business Owners Policy)
By Bryan Gutowsky September 20, 2024
A Business Owners Policy (BOP) bundles key coverages like general liability, commercial property, and business interruption into one cost-effective package. Learn what a BOP is, what it covers, and whether your Michigan business qualifies.
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