Personal

23
Jul

Federal Agencies Issue COVID-19 Relief for Employee Benefit Plans

As a consequence of the global pandemic, employers are struggling to provide voluntary benefits plans and profit-sharing bonuses to their employees. Thus, the Department of Treasury and the Department of Labor (DOL) announced relief measures to help the participants and beneficiaries of the International Foundation of Employee Benefit Plans. These rules will allow extensions for the deadlines, making it easier for participants

Read more

25
Jun

Directors’ and Officers’ Liability Insurance

In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures. Large corporations and privately held companies, including non-profits, are not exempt from litigation arising out of the management decisions of their boards. Regardless of your company’s size, the legal cost to defend a director is substantial, as are the potential

Read more

9
Apr

Understanding the Difference Between HO-3 and HO-5 Home Policies

  What you need to know about the different coverage levels of HO-3 and HO-5 home insurance policies. When it comes to homeowners insurance in Michigan, many people assume that all policies are the same.  However, this isn’t the case.  In fact, there are actually different categories of home insurance that offer various levels of coverage.  For instance, when it

Read more

19
Mar

Dispelling Common Misconceptions About the Insurance Industry

Don’t believe these common insurance misconceptions. While most people understand the need to secure different types of insurance, when it comes down to it, the general public knows very little about the world of insurance.  Unfortunately, this lack of knowledge often leads to misunderstandings, and belief in common insurance misconceptions can cause people to make uninformed coverage decisions.  To ensure

Read more

5
Mar

How Michigan’s Auto Reform Will Affect Policy Renewals in 2020

Find out what the state’s auto reform will mean for drivers. While auto insurance rates have increased throughout the country, Michigan drivers have faced the most significant premium hikes.  To combat these exorbitant rates, the state passed a sweeping auto insurance reform that will go into effect on July 1 of this year.  But what do these changes mean for

Read more

6
Feb

Securing Liability Protection for Your Recreational Vehicles

Why you should list snowmobiles, jet skis, and other toys for personal liability coverage. If you carry homeowners, renters, or condo insurance, then your policy provides personal liability coverage.  This type of insurance is designed to protect your current and future assets in the event that you or a member of your household is accused of causing injuries or property

Read more

9
Jan

Reasons Why Your Home Insurance Premiums Increase at Renewal Time

Which factors can lead to higher homeowners insurance rates? Now that 2020 is here, you may be getting ready to renew your homeowners insurance.  Leading up to your renewal period, your insurance provider will give you a summary of your coverage and alert you to any premium changes.  If your premiums have gone up, there are many reasons that can

Read more

12
Dec

Watch Out for These Driving Risks This Winter

Don’t let bad winter road conditions put you at risk. According to the U.S. DOT Federal Highway Administration, 22% of all car accidents are related to the weather.  Because winter sees some of the most extreme weather conditions (snow, ice, wind, freezing temperatures, etc.), it’s easy to see why winter is considered the most dangerous time of year for drivers. 

Read more

5
Dec

How You Can Prevent Home Insurance Claims this Winter

Protect your home this winter. While you may be looking forward to a fun and festive holiday season, it’s important to remember that you still face risks as a homeowner.  In fact, there are several types of insurance claims that are more common during the month of December than any other month of the year.  If you want to avoid

Read more

21
Nov

Essential Questions to Ask When Reviewing Your Insurance Policies

These questions should guide your year-end insurance review. Whether it be your auto, life, or business insurance, all your policies should be reviewed on an annual basis.  If you haven’t already updated your policies this year, then time is of the essence.  Ready to review your insurance policies but not sure where to begin?  Then ask yourself these questions to get

Read more

COVID-19 Update :


At CIA Insurance, we are doing everything we can to keep you up to date on COVID-19. Please check back for up to date resources.Learn More