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What Commercial Insurance Does for Your Business

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Operating a business requires many specific considerations, including the best way to protect it. If you’re in the Southeast Michigan area and looking for a commercial insurance policy, contacting us at Atlas Insurance Agency is a great way to get the knowledge and support you want. We can help you get the right policy and protect your business so you’ll feel confident you have what you need for success.

Commercial policies are designed to protect the biggest aspects of your business, allowing you to operate with confidence no matter what else is happening around you. There’s no reason to settle for anything less or put your business at risk when you can get the type and level of coverage you need. Working with our dedicated agents will help you get quotes from multiple insurers to select the policy that meets your needs and answers your questions.

The goal is to protect your company from loss due to a natural disaster or an artificial issue. Depending on whether you own or rent your building, how many employees you have, whether customers come to your location, and what kinds of equipment and inventory you have, different commercial policies can be right for you. Our insurance professionals will help you find the right one and increase your peace of mind.

Contact us at Atlas Insurance Agency today if you’re in the Southeast Michigan area and need a commercial insurance policy. We’re here to help and will get you the answers and information you’re looking for. Then, you can make the best decision for your specific needs and focus on protecting and growing your business.

Is My College Student’s Apartment Covered by My Home Insurance Policy?

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Your insurance policies generally cover your children while you claim them as dependents, and they are less than 27 years old. Your home insurance policy generally covers the property of a college student, but several additional limitations come into play, which are discussed below. If you need answers concerning your home or other insurance coverage, contact our Atlas Insurance Agency team serving Southeast Michigan.

Limits on Home Insurance Coverage of College Students

Home insurance policies generally cover your dependent child’s property while they are at college. Their computer, bicycle, and other personal belongings are covered against theft, vandalized, or other covered peril, as is their personal liability if they injure someone or damage property. However, most insurers only cover losses if the student lives on campus, and they may not cover a student living in a fraternity, sorority, or other housing that is not university-controlled.

Other issues limiting the coverage of college students include:

  • They generally must be full-time students, and some insurers set their age limits lower at 24 or 25.
  • Insurers often set relatively low limits on electronics, jewelry, and selected other items.
  • Many insurers limit coverage of "off-premise" property to 10% of your personal property limit.
  • The coverage of their belongings is subject to your standard deductible.

For college students, particularly those living off campus, it’s essential to consider the added protection of renters insurance. This type of insurance is often affordable and offers comparable coverage to what they would receive under a parent’s home policy.

Insuring with Atlas Insurance Agency

Atlas Insurance Agency serves Southeast Michigan and looks forward to helping develop an insurance plan that meets your needs. Visit our office or call us today at 248-545-7500 to protect your family and its possessions.

Recreational Insurance Add-Ons You May Need for Your Next Vacation

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Review some recreational insurance add-ons. They may be beneficial to purchase before you take your next vacation.

Basic Coverage

Most areas require recreational vehicle owners to have valid coverage for their RVs. Basic coverage may be listed as part-time or full-time. Part-time coverage is for someone who uses their RV temporarily.

A person who is going to be traveling in their RV would qualify for part-time coverage. Full-time coverage is for someone who lives in their RV on a permanent basis.

Total Loss Replacement

Total loss replacement coverage will pay to replace an RV that is totaled or for an RV similar to the one that was originally owned.

Coverage of Injuries

Injury coverage is an insurance product that will pay for injuries sustained during an accident. If an uninsured or underinsured driver caused the injuries, the coverage of the injury policy will handle the costs involved.

Emergency Expenses

An emergency expenses add-on will handle unexpected costs that an RV owner faces. If a recreational vehicle is involved in an accident, for instance, the owner may need to stay in a hotel temporarily.

The emergency expenses coverage will handle some or all of the costs that the RV owner is responsible for.

Additional Add-Ons

You should research many additional add-ons. The add-ons you choose will be based on your personal travel plans and how you plan to use your RV while vacationing. 

Contact Atlas Insurance Agency

Contact one of our agents at Atlas Insurance Agency. An agent who serves Southeast Michigan will prepare your recreational insurance documents.

How Umbrella Insurance Works

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An umbrella policy isn’t just a stand-alone insurance product. Instead, it operates hand-in-hand with your existing home and auto insurance policies. If ever you find yourself in scenarios where the coverage from your primary insurance falls short, umbrella insurance can serve as a safety net to cover the rest. Let us at Atlas Insurance Agency in Southeast Michigan acquaint you with the potent benefits of supplementing your existing coverage with an umbrella policy.

The Importance Of Liability Coverage

Liability coverage is critical when you’re liable for someone else’s medical bills or other expenses resulting from an accident. While your home and auto policies already include different types of liability coverage, they often come with limitations. Suppose you’re involved in a serious accident or a visitor gets injured at your home. The associated expenses may exceed your policy’s liability coverage in these instances. This is where an umbrella insurance policy can truly shine, offering additional liability coverage at a much lower cost than augmenting the liability coverage of your existing auto or home insurance.

Umbrella Insurance In Action

Picture a scenario where an accident occurs, and you’re held liable for the ensuing expenses and damages. Your primary auto or home insurance will promptly investigate the incident and compensate for the damages. However, serious accidents tend to result in costs that far exceed your policy’s liability limit. At this point, your umbrella insurance comes into play, covering these excess charges. The coverage provided by umbrella insurance can save you from significant financial setbacks following a severe accident. Therefore, it’s substantial to maintain these policies as part of your risk management strategies.

Procuring Umbrella Insurance

If you’re considering umbrella insurance to add that extra layer of liability protection, we’re here to guide you. Contact us at Atlas Insurance Agency in Southeast Michigan, and we’ll help secure your financial future with a comprehensive umbrella insurance policy.

Do I Need A Medical Exam to Get Life Insurance?

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If you’re hoping to get life insurance, one of the questions you may have is whether you’re required to obtain a medical exam. At Atlas Insurance Agency, servicing Southeast Michigan, we can help. We offer many insurance products through a variety of insurance carriers. We can assist you in exploring the options and determining when to get a medical exam and when an exam is not required. 

What Is Life Insurance?

Life insurance is a type of insurance that pays beneficiaries when the insured dies. Life insurance comes in different types, including term and permanent.

Term life insurance is designed to last several years and will pay benefits while the policy is active. Permanent life insurance pays benefits as long as the policyholder continues to pay the premium. Which type of life insurance you should get depends on your goals and why you want this type of insurance. Your insurance agent can help answer your questions about this.

Do I Need a Medical Exam to Get Life Insurance?

Most of the time, insurance agencies require a medical exam to get life insurance. This exam is usually relatively simple but may require blood and urine samples. 

Some life insurance products no longer require medical exams. If this type of life insurance policy appeals to you, talk to your insurance agent. No-exam life insurance policies may offer less coverage, so you may still want to explore all the options before deciding. 

Have questions about life insurance? Are you thinking about getting it for yourself? Atlas Insurance Agency servicing Southeast Michigan can help. Call today to learn about our insurance products and get your questions answered. 

Do I Need Auto Insurance to Buy a Car?

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If you’re driving a car, the law requires you to have the minimum level of car insurance. But do you need auto insurance to buy a car? At Atlas Insurance Agency in Southeast Michigan, we can help answer these questions and others. Buying a car can be stressful, but the process can be less stressful overall if you’re working with the experts at Atlas Insurance Agency. 

Is Insurance a Requirement to Buy a Car?

You do not have to have insurance to buy a car. However, you do need to have insurance to drive the car off the car lot. If this is your first vehicle and you do not yet have car insurance, you can buy car insurance while you’re on the lot. The car dealership may allow you to use their phones or computers to shop for auto insurance if you do not have your phone handy. 

If you already have a car insurance company in mind, buy your vehicle during your insurance company’s office hours to ensure that you’re able to get an agent on the phone. 

If you already have car insurance when you’re buying a vehicle, you will be given a grace period to add that new vehicle to your insurance policy. Your car salesperson can tell you how long that grace period is. 

How Can I Show Proof I Have Auto Insurance?

A hard copy of your insurance policy is best, but if you don’t have a hard copy, your car dealership may accept digital proof or faxed proof that you have car insurance. These requirements vary from one dealership to another, so talk to your dealership while you’re buying the vehicle.

Have questions?

Contact Atlas Insurance Agency in Southeast Michigan to find out more. 

Is commercial insurance required by law in Southeast Michigan?

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If you have a business in Southeast Michigan, you know how many risks you are facing. What if a storm cuts out power to your area, and you have to temporarily close? What if someone slips and falls on your property? 

There are an almost endless number of things that can go wrong, and insurance can help to protect you. At Atlas Insurance Agency, we can help explain your options and what kinds of commercial insurance are required.

Commercial Insurance Required By Law In Michigan

There are only two kinds of commercial insurance required by law in Michigan.

Commercial Auto Insurance

If your small business uses any vehicles for business purposes, you must be able to show that you have commercial auto insurance. This applies even when employees use their personal vehicles for work-related purposes.

Workers Compensation Insurance

If your small business has one or more employees that work at least 35 hours per week, you probably need to carry workers compensation insurance. Failure to carry could result in a fine, but this insurance offers important protection in case one of your employees is injured at work.

Optional Commercial Insurance Coverage In Michigan

Several other kinds of insurance are vitally important for protecting your business. 

  • General liability insurance will protect you if someone is injured on your property or if your business is responsible for property damage.

  • Commercial property insurance protects the building where you operate and its contents, such as tools and inventory.

  • Professional liability insurance protects professionals when there are claims of errors or omissions in practice.
     
  • Product liability insurance protects your business if your product injures someone.

Need Insurance in Southeast Michigan?

These are just a few of the kinds of coverage you can get. Call Atlas Insurance Agency today, so we can help you tailor a policy that works best for you.

Geodesic Dome Homes and Insurance: Unique Dwelling Coverage

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Geodesic dome homes in the Southeast Michigan area, known for their distinctive spherical structures, have gained popularity for their energy efficiency and structural resilience. Geodesic dome homeowners must consider specific factors when obtaining home insurance to ensure their property is adequately protected.

Understanding the Unique Risks of Geodesic Dome Homes

Geodesic dome homes stand out due to their unconventional design and materials. Their spherical shape and often unconventional construction make them distinct from traditional homes. This is where the underwriting is tailored to the specific needs.

Structural Coverage for Geodesic Dome Homes

Structural coverage is paramount when it comes to home insurance for geodesic dome homes. Policies should address these dwellings’ distinctive building materials and construction methods. Protection against perils such as fire, wind damage, and natural disasters must be tailored to geodesic domes’ specific vulnerabilities and strengths.

Personal Property Coverage

Beyond the structure, personal property coverage is crucial for homeowners. Geodesic dome dwellers need protection for their belongings, including furniture, appliances, and other personal items within the unique confines of their spherical homes.

Liability Coverage Considerations

Liability coverage is another essential aspect for geodesic dome homeowners. Given the unconventional design, liability protection should consider potential risks associated with visitor safety.

Customizing Coverage for Geodesic Dome Homes

Customization is vital when insuring geodesic dome homes. Homeowners should work closely with insurance providers to tailor coverage to the specific needs of their spherical dwellings. This may include addressing energy-efficient features, specialized building materials, and associated risks.

Navigating Zoning and Regulatory Compliance

Geodesic dome homes may face zoning challenges due to their non-traditional appearance. Insurance policies should comply with zoning regulations.

Atlas Insurance Agency Can Help You

At Atlas Insurance Agency, we can help answer questions concerning home insurance. We serve the Southeast Michigan area. Contact us today. 

Get Recreational Insurance – Because Trouble Never Takes a Vacation

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Recreational vehicles are created and designed for fun and excitement. That is also why people from all over Southeast Michigan rely on companies like the Atlas Insurance Agency to ensure fun and excitement and to keep everyone safe. Help protect your next recreational trip and your peace of mind with the right recreational insurance policy.

It doesn’t matter if you are on the water on your jet skis, off-roading on your motorbike, or riding around the yard on your four-wheeler because recreational insurance can help in many ways. From property and accident damages to financial help for injuries requiring medical attention, the right coverage can make a world of difference.

Have Fun Without the Worry

The scene is a common one throughout the great state of Michigan and is nowhere more evident than those images of people and families having fun by any one of the lake cities of Southeast Michigan. Unfortunately, however, along with many of those recreational activities come accidents and injuries.

The good news is, with the knowledge of having recreational insurance, we can enjoy more of our recreation and leisure time with less worry. And if we ever do have to face a problem as the result of an accident, with recreational insurance, we won’t have to face those issues alone.

Insuring Recreational Vehicles All Across Southeast Michigan

Welcome to the Atlas Insurance Agency, where we offer a range of insurance plans and coverage options for recreational vehicles for residents throughout Southeast Michigan and beyond. If you are looking for recreational insurance for you and your family, then look no further than the Atlas Insurance Agency. Contact us to learn more and get the recreational insurance you are looking for today because trouble never takes a vacation.

Four reasons why it’s so important for consumers to have umbrella insurance

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Umbrella insurance is important if you are a consumer in Southeast Michigan who wants to enjoy complete financial protection. We provide umbrella insurance policies to area consumers at Atlas Insurance Agency. 

There are plenty of good reasons why you should be investing in umbrella insurance.

The following are four reasons why it’s so important for consumers to have umbrella insurance:

Umbrella insurance gives consumers peace of mind.

Umbrella insurance provides consumers with peace of mind by extending liability coverage beyond the limits of their standard policies. It offers financial protection against unforeseen accidents, lawsuits, or claims that could otherwise deplete personal assets.

With an umbrella policy, individuals can navigate life’s uncertainties with confidence, knowing they have an extra layer of security to safeguard their financial future.

Umbrella insurance prevents financial problems for consumers who enjoy activities that involve liability risks.

Umbrella insurance is especially important for consumers who participate in certain activities or fill roles that involve liability risks. These include coaching a kids’ sports team, being a high-profile public figure, or frequently hosting large parties on one’s property. 

Umbrella insurance can protect a consumer’s reputation.

Umbrella insurance can protect a policyholder’s reputation by covering the costs of legal defense in case of defamation, libel, or slander lawsuits. This added layer of liability protection ensures that individuals are shielded from potentially damaging legal disputes that could tarnish their reputation and financial well-being.

Umbrella insurance typically offers worldwide coverage.

Those who often travel internationally are especially likely to benefit from carrying umbrella insurance. That’s because umbrella insurance coverage typically follows a policyholder anywhere in the world that he or she travels. With umbrella insurance, you don’t have to worry as much about liability expenses when you’re traveling in foreign countries.

Consult With Us

Get the umbrella insurance coverage you need in Southeast Michigan from Atlas Insurance Agency. Get in contact with us now for a policy quote!