Finding snowmobile insurance in Michigan is easy. Finding snowmobile insurance with all the best coverages and options is not so easy! Many snowmobile insurance policies look good on the surface, but take a close look at what specific coverages you have and at what levels of coverage. You may be in for a big surprise when you compare it to a quality snowmobile insurance policy. This is especially true if your snowmobile is attached to your homeowners policy.

Here are some key parts of snowmobile insurance that your policy may be missing:

• Off premise coverage & recreational use - Hard to believe, but many snowmobile policies only cover sleds "while servicing the property". That means that accidents that happen off of your property and accidents that happen during recreational use is not covered (what's up with that!!??).
• Injury coverage - Many polices do not offer medical payments or uninsured motorist coverage on snowmobiles (this is also true for many other types of off road vehicles).
• Travel trailer coverage - up to $10,000 is offered.
• Accessory coverage - Free with comprehensive and collision coverage up to $3000, with optional coverages of up to $30,000 (these numbers vary slightly depending on the company).
• Coverage in Canada - Many snowmobile owners like to take their sleds north of the border. Many policies won't cover you in Canada.

    
The snowmobile insurance companies that my agency carries offer all of the above coverages. If you find that your snowmobile insurance policy doesn't stack up, it may be time to get a snowmobile insurance quote elsewhere.




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Comparing EPLI coverage is very difficult because the difference between one company's EPLI policy and another can be as different as night and day. That doesn't matter whether your EPLI policy is attached through a Business Owners Policy, a General Liability Policy, or stand alone EPLI coverage.
       The fact is, many EPLI policies are inadequate both in terms of what is/isn't covered and the levels of coverage offered. So..... I have made a short checklist of 8 key things to look for in an a quality EPLI policy:

1. Limits of Liability Available up to $2,000,000. Some companies do not offer anywhere near this level of coverage.
2. Defense Outside Limits Option- Defense costs will not erode the limit of liability, if this option is selected.
3. Third-party Coverage - Coverage for claims brought by customers and clients alleging discrimination or harassment by the insured.
4. Fair Labor Standards Act (FLSA) Coverage - $100,000 sub-limit of liability for defense costs arising from Fair Labor Standards Act
5. Duty-to-Defend Provision - Defense of any covered claim, even if allegations are found to be groundless, false or fraudulent.
6. Broad Definition of Employee - Coverage for claims brought by current,former and future employees includes applicants and volunteers.
7. Defense and Settlement Provision - If the insured does not want to settle a lawsuit, our stand alone EPLI policy will pay 75% of the remaining loss and defense costs.
8. Full Prior Acts Coverage - Coverage for Wrongful Acts that took place before the policy was in place, as long as the claim is made during the policy period.

      These are some of the key things to have in an EPLI policy. The company my agency sells is ABA Insurance Services, which is underwritten by XL Insurance. They offer all of the keys mentioned above at a surprisingly affordable rate.
      It only takes a couple minutes to get a EPLI quote and I handle all quotes personally & privately.
       


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Is there an Ohio Auto Insurance Company that Does Not Run Credit?
    One of the most common search inquiries auto insurance consumers are looking for is auto insurance companies that do not run credit. This can be very challenging because 92% of all auto insurance companies run credit to some degree.
    However, there are a few companies out there that do not factor credit in at all towards your auto insurance rate. However, understand that by limiting yourself only to companies that don't run credit may end up costing you a higher rate.
   
   The Great Credit Myth!
  
If you only want to get an auto insurance quote with companies that don't run credit, that's fine. But understand that there is a lot of false information out there concerning auto insurance and credit reports:

• The way auto insurance companies run credit is nothing like the way lenders run credit.
• Insurance companies do not use FICO scores (which is known as a "hard credit pull"). The type of credit check that insurance companies run is known as a "soft credit pull", meaning that the standards are much less strict.
• Contrary to popular belief, "soft credit pulls" do not negatively affect your credit rating or FICO score.
• Many people who might have low FICO scores would be surprised to learn that they still score high ratings with soft credit pulls.
• Some insurance companies put much more weight into credit than others. Companies who use independent agents tend to make credit much less of a factor in terms of calculating auto insurance rates than companies that only allow an agent sell for their company.

  
    Where can I get an auto insurance quote without running my credit?


   If you're still convinced that you would only like to quote with auto insurance companies that don't run credit, I will be happy to oblige. Simply click on the link below and fill out the quote form. At the bottom of the form, there is a box to enter comments and requests. Simply mention that you only want quoted with companies that do not run credit. I will only quote you with those companies, and find you the lowest rate.




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What is Employment Practices Liability Insurance? 
Employment Practices Liability Insurance protects business owners from being sued by past, current or potential employees. Reasons for being sued that an EPLI policy protects include:

• Discrimination (age, sex, race, disability, etc.)
• Wrongful termination
• Sexual harassment
• Breach of contract
• Infliction of emotional distress or stress
• Employment-related claims that violate employees’ civil rights
• Other employment-related allegations.

  Who needs EPLI insurance?  
    Any business owner who hires employees faces a risk of being sued by past, current and potential employees. Many business owners will tell you that while they once thought of their business as "one big happy family", they later had to deal with lawsuits from those same people.


Can I attach EPLI insurance to a Business Owners Policy or General Liability Policy?
   The answer will vary from company to company, but generally, most BOP's and GL's that offer EPLI provide lousy coverage. Buying stand alone EPLI coverage offers much better protection and at much higher limits.

• Stand alone EPLI coverage offers much higher liability limits compared to EPLI policies that are attached to a BOP or GL policy. Many business owners policies max out liability at $25,000, while stand alone coverage usually offers up to 2 million in coverage.
• Stand alone EPLI policies generally have less exclusions as to what is covered.
• Stand alone EPLI policies offer additional coverage options that are not usually included in attached policies:
  • Third Party Coverage - many lawsuits can stem from people not at all associated with your business (example: a customer becomes irate at one of your employees. The employee later sues you, claiming you didn't do enough to diffuse or rectify the situation). Third party coverage is available for most types of businesses.
  • Defense outside of limits - Many EPLI policies include defense costs as part of the total liability you are covered with. By having the defense outside of limits coverage, legal costs DO NOT count against your liability coverage.
  • Prior acts coverage - If there was an occurrence that took place prior to you buying an EPLI policy that neither you or your managers were aware of, this option would cover you if it occurs within the policy year.

  How do stand alone EPLI policies compare with attached EPLI policies in terms of premium?
    This answer will vary greatly from company to company. Much of it has to do with what is covered (or what isn't), and the limits the company offers. Common sense tells us that the cheapest policies offer the least protection and/or the lowest limits of coverage.
     The key is to find a company that offers the best protection at affordable rates. For most business types, ABA Insurance Services offers the greatest value as far as high levels of protection and coverage versus premium. ABA also has great flexibility in terms of the size of businesses they accept. They can cover the smallest of businesses and also cover larger businesses of up to 250 employees (with part time employees counted as 1/2).
   If you live in Ohio, Michigan, Pennsylvania, Indiana, Virginia or West Virginia, you can get a quote with ABA through my agency in less than 5 minutes by clicking below.
  

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Do I have to carry Uninsured/Under-insured Motorist Coverage in Ohio?


    In Ohio, Uninsured (UM) and Under-insured (UIM) motorist coverage is NOT required. It is optional. However, there are some key points to consider:

• Unlike some states, UM & UIM are both combined together in Ohio. If you have one, you have the other. UM/UIM does, however, separate into two parts: Bodily injury and Property damage. You can choose either one without the other.

 

• Bodily injury coverage is usually less than $10 per month. Property damage coverage is usually less than $2 per month. These are important parts of the policy that you don't want to skimp on!

It is estimated that one in every six drivers are driving illegally without auto insurance liability coverage.
It is also estimated that one in every six drivers who have auto insurance liability coverage only carry the required state minimum coverage.


SUMMARY: Although Ohio law doesn't require UM/UIM coverage, you should think twice before declining the coverage. It provides a lot of protection for little premium.
 

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