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IPS / Lighthouse Insurance Group Blog: michigan insurance

View the latest blog posts from IPS / Lighthouse Insurance Group.

IPSOur new website rolled out late last month and we invite you to take a look!  

While most pages display the same content, the site now takes advantage of some of the latest techniques in web design.  Our site is no longer among the status-quo...rather is a website that pops!  We haven't seen any other insurance agency websites that employ design techniques similar to ours.

Some of the pages and menus have been re-arranged for greater ease of navigation.

Take a look and let us know what you think!

Michigan Insurance Company's parent, the Donegal Group, Inc. has just issued this exciting press release!


Donegal Group Inc. named to list of America’s Most Trustworthy Financial Companies

Marietta, Pa. – Donegal Group Inc. (NASDAQ: DGICA and DGICB) was named to a list of America’s 50 Most Trustworthy Financial Companies, ranking the company among firms that have consistently demonstrated transparent and conservative accounting practices and solid corporate governance and management as determined by GMI Ratings, an independent financial analytics company, and reported by Forbes.

According to Forbes, GMI reviews the accounting and governance behaviors of more than 8,000 publicly-traded companies in North America to develop lists of trustworthy organizations.

“We are pleased to be recognized by Forbes and GMI Ratings as a ‘Most Trustworthy Financial Company’ based on their analysis of our accounting and governance practices,” said Donald H. Nikolaus, President and Chief Executive Officer of Donegal Group Inc.

Donegal Group Inc. is an insurance holding company whose insurance subsidiaries offer personal and commercial property and casualty lines of insurance in 22 Mid-Atlantic, Midwestern, New England and Southern states. The insurance subsidiaries of Donegal Group Inc. and Donegal Mutual Insurance Company conduct business together as the Donegal Insurance Group. The Donegal Insurance Group has an A.M. Best rating of A (Excellent).

The Company's Class A common stock and Class B common stock trade on NASDAQ under the symbols DGICA and DGICB, respectively. As an effective acquirer of small to medium-sized "main street" property and casualty insurers, Donegal Group has grown profitably over the past 25 years. The Company continues to seek opportunities for growth while striving to achieve its longstanding goal of outperforming the property and casualty insurance industry in terms of service, profitability and growth in book value.

PPACAWhile the PPACA (Patient Protection and Affordable Care Act, aka "Obamacare") has many positive attributes, the new law's complexity and countless rules are certain to cause a degree of angst to many employers.  Remember, the PPACA law fills more than 2,700 pages and has various components that will phase in between the time it was passed in March, 2010 and 2020.  

Many new responsibilities are placed on employers regardless of whether or not the business offers health insurance to its employees.  One example is the requirement to provide a notice to employees by October 1, 2013 that provides information about the Health Insurance Marketplace Coverage Options.  The Department of Labor has two sample forms that can be used, one for employers that do not offer health insurance, and the other for employers that do offer health insurance.  The samples can be found in the Employee Security Benefits Administration' s section of the Department of Labor's website:  http://www.dol.gov/ebsa/healthreform/.  

Employers need to be diligent in learning all they can about the PPACA and how it affects their business.  The law affects nearly all businesses - both for-profit and non-profit.  There are even requirements for small businesses that fall below "50 full time equivalent" threshold that mandates an employer to offer "affordable" health insurance that meets "minimum value" standards to its "full time employees and their dependents".   Businesses should consult their insurance professional, attorney and accountant to begin planning for 2014.

With respect to insurance, the PPACA may affect more than just the health insurance a business provides for its employees, such as Errors & Omissions (E&O), Employment Practices Liability (EPL), Employee Benefits Liability (EBL) and Directors' & Officers Liability (D&O).  Now would be a good time to review these policies with your insurance professional to determine if coverage may need to be adjusted.  

The professionals at INSURANCE PLANNING SERVICE are here to answer questions you may have regarding your health insurance or other lines of your business insurance.  Contact us on the web or call us at 800-220-5582 today!

Michigan Insurance Company

We are proud to post the following press release regarding the Michigan Insurance Company's parent corporation, the Donegal Group, Inc.

MARIETTA, Pennsylvania, April 24, 2013 – Donegal Group Inc. (NASDAQ: DGICA and DGICB) was named to a list of 100 Most Trustworthy Companies for the second consecutive year, ranking the company among firms that have consistently demonstrated transparent and conservative accounting practices and solid corporate governance and management as determined by GMI Ratings, an independent financial analytics company, and reported by Forbes.

According to Forbes, GMI Ratings creates its list by examining more than 8,000 companies traded on U.S. exchanges. Every three months it assigns each company an accounting and governance risk score, or AGR, based on proprietary modeling designed to identify practices that historically have had a high correlation with increasing shareholder risk.

“We are pleased to be recognized once again by Forbes and GMI Ratings as a ‘Most Trustworthy Company’ based on their analysis of our accounting and governance practices,” said Donald H. Nikolaus, President and Chief Executive Officer of Donegal Group Inc.

More information regarding the GMI Ratings “America’s Most Trustworthy Companies” analysis can be found at http://www.forbes.com/sites/jacquelynsmith/2013/03/18/americas-100-most-trustworthy-companies/. A reprint of the Forbes article is also available as a “Featured Report” in the Investors area of Donegal Group Inc.’s website at www.donegalgroup.com.

Donegal Group Inc. is an insurance holding company whose insurance subsidiaries offer personal and commercial property and casualty lines of insurance in 22 Mid-Atlantic, Midwestern, New England and Southern states. The insurance subsidiaries of Donegal Group Inc. and Donegal Mutual Insurance Company conduct business together as the Donegal Insurance Group. The Donegal Insurance Group has an A.M. Best rating of A (Excellent).

The Company’s Class A common stock and Class B common stock trade on NASDAQ under the symbols DGICA and DGICB, respectively. As an effective acquirer of small to medium-sized “main street” property and casualty insurers, Donegal Group has grown profitably over the past 25 years. The Company continues to seek opportunities for growth while striving to achieve its longstanding goal of outperforming the property and casualty insurance industry in terms of service, profitability and growth in book value.


Insurance ReviewA new feature to our website that makes getting a policy review quick and easy!  In fact, it's as easy as 1, 2, 3!

STEP 1: From any page on our website, go to the CUSTOMER SERVICE tab at the top and click "Policy Review Request".

STEP 2: Fill in your contact information and you can even upload a copy of your current insurance policy's declarations page.

STEP 3: Ask any specific questions you have in the "Questions or Additional Infomation" box and click the "SUBMIT" button.

We promise to get back with you as possible with the results of our review!

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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