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IPS / Lighthouse Insurance Group Blog: michigan

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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


When renting a home, you walk a fine line between personal ownership and leasing. The homeowner owns the property, and likely has a lot to do with its upkeep. However, you live in the rented space, and probably put a lot of work into keeping it nice. Not only that, the property’s owner likely won’t take anyimage of girl in new apartment responsibility for your own possessions.

When you move your belongings into the rental, they still belong to you. You want to protect these items in case they sustain harm. Usually, you can do so with your renters insurance's possessions protection.

Determining What to Claim on Possessions Protection

Your renters insurance policy will likely come with possessions coverage. This protection can cover your personal items in case perils like fire, theft or weather hazards damage them.

Many insurers will allow you to declare an approximate value of your personal items. Your insurer will likely use this value as your policy’s limit. This is the maximum compensation you might receive from a claim.

So, to make sure you get appropriate limits, take a close look at the value of your possessions. The key here is to get enough money to replace your most valuable possessions. However, you might be better served to keep certain possessions off your estimates. If you can keep your limits as low as practically possible, you might be able to keep your renter insurance premiums lower. However, don't cheat yourself and neglect getting coverage that might make replacement easier.

Items to include in your value estimate might be:

  • Furniture
  • Clothing
  • Food values—about 1-2 weeks of grocery bills
  • Electronics—computers, tablets, cell phones
  • Medication or medical device costs (even if you have health insurance)
  • Appliances owned by the renter (not by the homeowner)
  • Tools
  • Novelties like toys, books or movies

Items you might be able to leave off your possessions coverage includes easily replaceable items like toiletries, undergarments or other items of lesser value.

Keep in mind that your policy will likely come with a maximum limit on possessions coverage. Furthermore, possessions coverage might exclude particularly unique items. For example, you might not be able to cover jewelry or artwork within standard possessions coverage. You might have to invest in policy riders to extend coverage to these exceptionally valuable items.

Therefore, when looking for renters insurance, talk to your insurance agent. Ask them to help you determine the adequate value of your possessions coverage. Keep documentation of your possessions’ values, such as appraisals or receipts, to help justify these claims. Let Insurance Planning Services help you with your renters insurance and possession coverage, get started today by calling 734-421-9900 or 800-220-5582.


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 5:33 PM


image of couple in new businessMore and more people are choosing to go into business for themselves. Unfortunately, statistics show that many startups fail in the first 18 months.

If you are planning to launch a business, take steps to increase your chances of success. Keep the following tips in mind:

Plan for Every Aspect of Your Business

If you don’t plan for your business, then you are essentially planning to fail. A business plan is a critical component that helps you map out your business success. You can also take note of any risks you face.

With business insurance, you can mitigate risks and maximize opportunities. Business experts recommend business owners have a comprehensive business plan for their business.

Focus on Making Money

One of the most common reasons businesses fail is due to the lack of money. If you are launching a business, it’s imperative that you have a steady stream of business income.

To increase your success, increase your clientele before launching the business. You can also diversify your income. With more clients and a diversified income, you’re insulating your business revenues.

Hire Only When Necessary

Many business owners fail to run a tight ship. A feeling of inefficiency causes them to hire too many people in the beginning. When you hire too many people, you're tying up your working capital.

To prevent this, only hire people when you are growing. With a tighter ship, you’ll save money, and you’ll have more control over your business.

Focus on Value, Not Price

Customers are looking for value when it comes to products and services. They don’t want low-quality products at high prices. If you focus on building value into your products and services, your business will grow.

Protect Your Business with Business Insurance

Even with a business plan, you can’t avoid every potential business risk. When you can’t avoid a risk, consider transferring the risk by buying business insurance.

With business insurance, your insurance company bears the risk for you. This protects your business in the end. You should consider commercial property, auto, and general liability insurance for starters. Once you have that, consider industry-specific business insurance options.

You may think the odds of being successful in business are against you,. But, you can do it. Maximize opportunity and reduce the impact of business risks to increase your chances of success.

Insurance Planning Service is here to get you the best form of Michigan business insurance for your startup. If you aren't sure what business insurance you need, give us a call today at (800) 220-5582.

Posted 8:35 PM


image of couple in new apartment

Your rental home comes with the same personal responsibility as any other property. While you are in the home, you want to make sure that it is safe and sanitary. You also want to make sure the home doesn’t pose a threat to anyone who visits.

It is usually your landlord who makes a home code-compliant and oversees maintenance. However, you are responsible for the home’s day to day safety upkeep. You have a lot of things to consider when making your home's environment safe.

Part of most renters insurance policies is liability coverage. Liability coverage could protect you if you are liable for property damage or injury to another person. If a dog bites your neighbor, the neighbor may sue you to cover their medical bills. If you cause a kitchen fire, your landlord may want you to cover the damages. Liability coverage can sometimes help you in these situations.

Every renter needs to consider investing in liability coverage. If you do so you can protect your assets should you face a liability lawsuit.

As you consider how much renters liability insurance you need, keep these steps in mind:

  • Know what risks your home faces. Could you potentially cause an accidental fire or other damage? Is your pet a bite risk? If so, you might need higher levels of coverage.

  • Consider how much you can afford to pay for damages. You might need higher levels of coverage in case an accident would stretch your finances.

  • Think about the possibility of accidents, how likely are they to occur in your home? Is there a significant fall risk? Could your child or animal inadvertently damage a neighbor’s property?

  • These considerations can help you get the correct liability coverage in your rental.

    You might wonder why you need such high coverage limits. Shouldn’t another person’s insurance help them in case of an incident? 

    The answer is no, not always. That person’s insurance may not fully cover the damages. The affected person may still seek compensation from you. The good news is that many renters insurance policies can cover your legal costs should you have to go to court.

    As you contemplate Michigan renters insurance, know what levels of liability coverage you need. Insurance Planning Service can help you find appropriate levels of renters insurance. You can also call us today at (800) 220-5582 for more information.

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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