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Insurance Planning Service Blog: business insurance

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Commercial property damage may cover some roof repairs. This insurance protects instances of damage due to storms or other unavoidable instances. There are limits to coverage, however. Those related to wear and maintenance have no coverage. What should you know about your policy?image of commercial building

Does Commercial Property Damage Cover Your Roof?

In most situations, commercial property insurance provides compensation to you when the structural components of the building suffer during an accident or unavoidable situation. For example, hail damages the roof. This creates areas where the shingles have damage. This could expose the building to mold and mildew problems. The insurance provider often pays for the damage as a result. After all, you likely could do little to protect the roof from a hailstorm.

A tree strikes the roof. The commercial building's flat roof suffers damage from the tree. The business insurance policy may cover the damage to the structure.

When Does Commercial Property Insurance Not Cover Your Roof?

Commercial roofs typically have a lifespan of 10 to 30 years. The type of roof and the overall material used plays a role in this length. Your policy does not cover all repairs. It does not replace the roof when it is too old.

For example, a leak develops as a result of the HVAC system on the roof. The underlying cause is poor maintenance. The policy does not cover it. Or, the roof is 25 years old. The material shows normal wear and tear, but shingles are missing. The roof is no longer watertight. These are simply maintenance issues. The policy is not likely to provide coverage here, either. In these cases, you could have prevented the damage.

What Should You Do If You Need Roof Repair?

Commercial property damage coverage may be able to help with repairs. To find out, call your business insurance agent. The agent will have a roofing inspector come to the location. This individual will look at the roof thoroughly. He or she will pinpoint areas of damage caused by storms, hail or other mishaps.

He or she will then determine if this damage was due to wear and tear or maintenance concerns. If not, the agent will approve the repairs.

It is best to have any commercial building’s roof inspected at least one time a year. Because many roofs are flat, it can be hard to notice damage right away. However, if a storm occurs, leaks inside the property occur, or any type of structural damage happens, call your agent.

The goal of any commercial property insurance is to cut financial loss in unavoidable situations. It can be hard to estimate when this occurs, though. To protect your roof and building, an annual roof inspection is necessary. Make updates or repairs when needed and without delay. This ensures if you need to make a claim later, you get the help necessary.

Also Read: 13 Types of Insurance a Small Business Owner Should Have

Posted 11:31 AM


If you are an artist, you might want to share your knowledge with others. Teaching art classes might be a job you want to pursue. You might do so out of a storefront, or even out of your own home. Wherever you teach, however, the classes often qualify as business operations. You ought to carry commercialimage of painters pallet insurance as a result. Because you might harm others while teaching, liability coverage needs to be on your policy. What is this coverage? How can it benefit you?

As you operate a business, you’ll work with other people. So, if you cause them harm, they might expect help. Let your liability insurance step in.

Why Art Teachers Need Liability Coverage

Teaching art means you are going to accumulate profits. One lawsuit or request for compensation might wipe out all you have worked to build. With commercial liability insurance, you can get help in case you harm others. That's a big safety requirement for your own solvency.

Art is messy. It is also manual labor. As a result, those who do it might experience harm. So, students (even experts) could get hurt in the course of work. If they do, they might hold the teacher responsible for their injuries or property losses. That’s where liability insurance comes into play.

Let’s say that during a pottery class, a students burns themselves while attempting to place an item in a hot oven. They might blame you for failing to advise them on how to handle the task. They could sue or request compensation for their medical bills, lost income and more. Your liability coverage can pay many of the legal and medical costs of bodily injuries. Policies might also cover allegations personal injury, as well as property damage.

Preventing Liability Accidents

A simple mistake could harm a student. Even accidents are grounds for some actions against your school. Therefore, do what you can to prevent any harm to your students.

  • Instruct all students in appropriate handling of all materials
  • Store potentially-dangerous items in safe places
  • Do not allow inexperienced students to take on new tasks without supervision
  • If safety gear is necessary, make sure students wear them
  • Post warning notices in potentially-dangerous areas
  • Keep a first aid kit on hand in case of small accidents, and don’t hesitate to call for help in case a severe injury occurs

With even simple steps, you can increase student safety within your art studio. Nevertheless, don’t let yourself go without liability insurance. You might find it necessary in extraordinary circumstances.

Also Read: Prevent Business Insurance Claims with These Risk Reduction Tips


By law, most businesses have to provide their employees with certain benefits. This might include health insurance, workers’ compensation and other protection. Nevertheless, many businesses don’t stop at required benefits packages. There are a lot of options out there to support employees, after all. Howimage of manager handing over employee benefit package info can some of these prove useful?

Even if you don’t have to offer employees certain insurance or benefits, that doesn’t mean you shouldn’t. Optional benefits might prove helpful to your workers in the right circumstances.

Optional Benefits Packages

The perks of a broad benefits package often show up in your operations. In other words, employees that have good support often perform better on the job. For example, health insurance can help them better provide for their medical needs. If they’re healthy, they’ll likely do a better job at work. That's a probable increase in productivity and income for the company.

So, when you set up a benefits package, think of how it can help the employee and the company. Some of the coverage you might consider offering includes:

  • Expanded health insurance options: Some health insurance doesn’t cover perks like vision or dental service. Still, if employees have access to these services, they might be able to perform better on the job. Consider adding coverage to your group health plan.
  • Health and wellness benefits: Wellness plans might offer gym memberships, health screenings, counseling and more for free or at discounts. This can go a long way towards improving overall wellness in the company.
  • Life insurance: An employee’s death means they cannot provide for their survivors. Life insurance can provide a financial settlement to let those parties tie up loose ends. It’s often great security for your workers.
  • Retirement pensions: These plans allow employees to put away money for their retirement. Some plans accumulate interest and cash value, adding more security. It's a way to help employees feel like they are working towards a goal.
  • Commuter reimbursement: If you operate in a city with a subway, you might offer employees a stipend to pay for their fares. This will help ensure employees always have money and resources to get to work.

In essence, the more benefits you provide, the more secure your employees can become—financially and personally. So, don't hesitate to talk to your insurance partners at 734-421-9900. See how they can help you establish optional benefits. You’ll likely recoup the cost of investment with the better performance of your workers.

Also Read: Lawfully Required Employee Benefits

Posted 4:45 AM


Your employees do a lot for your business. You want to show them that you have their best interests at heart. Offering benefits is one way to do so. image of employees gathered

Not only do you recognize the importance of protecting employees, so does the law. Some benefits are not options, but requirements. Businesses often have to provide certain perks to their employees. These particular benefits often act as valuable personal protection for your workforce.

Required Employee Benefits

Employee benefits usually involve various forms of insurance. Therefore, multiple laws cover whether certain businesses must offer certain benefits. As a business owner, always make sure you provide the benefits required of you. These might include

  • Health Insurance: Many employers have to offer some or all employees health packages. The employer usually shares the cost of the policy with the employee. These packages usually must meet standards set forth in health insurance law. Whether the employee takes this coverage is up to them. However, the employer usually must at least offer it.
  • Workers’ Compensation: If an employee gets hurt on the job, they might have to miss work to recover. This means they might not be able to receive income because they cannot work. Most businesses have to provide workers’ comp as a result. It serves as a way to help an employee receive income while recovering from an injury.
  • Overtime Pay: When certain employees work past their required time, they qualify for more pay.
  • Minimum Wage: Federal and state law require some or all employees to receive pay at a minimum level. The minimum wage is one way of making sure that employees can pay their own bills.

A variety of laws might govern how businesses must compensate their employees. Check your local statutes for more information on the benefits you must offer.

Optional, Additional Benefits

Good perks often provide incentives for your employees to stay with your company. So, most businesses provide a wide range of benefits. Beyond required benefits, additional perks you might offer include

  • Dental insurance for adults (many health insurance plans come with pediatric dental insurance)
  • Paid maternity or paternity leave
  • Paid holidays
  • Club memberships such as gyms or health spas
  • Life insurance and retirement accounts (some states might require this coverage)

And everything from pay raises to severance pay.

When it comes time to setting up your company's benefits plan, talk to your commercial insurance agent at 734-421-9900. They can help you enroll in benefits in compliance with the law. You can then work on offering extra benefits that provide workers with more comfort.

Also Read: Reducing Worker Falls on Icy Outside Surfaces and What to Consider When Launching a New Business


Across America, many employees are injured each year by slipping and falling in or around their workplaces. During the winter, these risks are higher. Cold temperatures and slick, icy surfaces provide more opportunities for workers to lose their balance. This can happen on parking lots, sidewalks or indoors.image of a slippery fall warning sign

Your company’s workers compensation insurance can help cover employee losses should they sustain a fail. This includes compensation for lost time at work and medical bills.

Preventing these accidents, though, is more important. Here’s what to look for to do just that.

Recognize the Risks

Visualize the way your employees come to work each day. They get out of their vehicle and approach the building. Even if they walk less than 10 feet from their vehicle to the office entrance, those 10 feet of concrete, pavement, dirt or grass provide a significant slip-and-fall risk. The individual walks into the building. This floor could be wet due to outdoor conditions. He or she proceeds to enter into the work space. The moisture from his or her shoes comes with them. This presents additional risks.

Tips for Minimizing Risks

To reduce worker fall risks, focus on keeping surfaces as dry as possible. Here are some steps to do this during icy weather conditions.

  • Hire a team to clean away any snow or ice build-up. Be sure the company does this frequently enough to reduce the pile up of snow or ice.
  • If you must, by law, see to certain pathways before others. Take care of those areas first. Then expand your de-icing techniques to other areas as needed.
  • Monitor floor conditions in the building. This is especially true in immediate doorways leading to the outdoors. This area can freeze up as well. This creates more ice.
  • Workers handling business tasks outside need proper shoes. Discuss treads on shoes with employees. Look for products that can reduce slips on icy surfaces. Mark hazardous areas where employees should avoid.
  • Keep carpets and mats clean and dry. No matter where they are in the business, keep them as clean as possible.
  • State laws usually determine whether falls in parking lots are the responsibility of the company. However, most state laws say sidewalk falls are the company's responsibility.

These tips can help reduce worker falls due to wet conditions. However, this is an ongoing problem. Being consistent is essential. Notice areas where the problem continues to persist. Look for more extensive treatment and solutions for these areas. Improving drainage, for example, can help.

If you need workers' compensation insurance coverage, contact one of our agents today at 734-421-9900.

Also Read: Prevent Business Insurance Claims with These Risk Reduction Tips

Posted 2:33 PM


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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake