The following links provide great information regarding the changes associated with Michigan's Auto Insurance Reform that took effect on July 2, 2020. If you have any further questions please reach out to your agent at 800.350.7676.
The cost of renters insurance can vary depending on factors such as your location, the coverage limits you choose, and any additional endorsements you add. It's generally affordable, with average annual premiums ranging from $100 to $300.
Home Insurance
When it comes to buying homeowners insurance it is important to look beyond the price tag. Often, you will find the less costly policies have many exclusions, low coverage limits and high deductibles. Every home comes with its own set of risks and exposures. It is imperative that you understand your own.
Condo Insurance
Condo insurance typically covers the interior structure of your unit, personal belongings, liability protection in case someone gets injured in your unit, and additional living expenses if you need to temporarily move out due to covered damages. It may also provide coverage for improvements or upgrades made to the unit.
Personal insurance covers a wide range of risks and potential financial losses that individuals may face. It includes coverage for health expenses, such as medical treatments and hospital stays, ensuring individuals have access to necessary healthcare services. Property insurance protects against damage or loss to personal property, including homes, vehicles, and belongings, due to events like fires, theft, or natural disasters. Liability insurance provides coverage if someone is held responsible for causing injury or property damage to others. Lastly, life insurance offers financial support to beneficiaries in the event of the policyholder's death, helping to cover funeral expenses, debts, and provide financial stability for loved ones.
Health Insurance
There’s no need to figure out the ABC’s of individual health insurance when we have access to carriers for A-Z health plans. Our tenured agents will assess your individual needs and find the health insurance option that meets your current—and future—needs.
Disability Insurance
Employee benefits are additional perks or compensation provided by employers to employees, beyond their regular wages or salaries. These benefits can include health insurance, retirement plans (such as 401(k) plans), paid time off (such as vacation and sick leave), life insurance, disability insurance, flexible spending accounts, wellness programs, and other fringe benefits like employee discounts or tuition assistance. Employee benefits aim to enhance the overall compensation package offered by employers and provide support for employees' well-being, financial security, and work-life balance.
Long Term Care
Dental Insurance
Did you know? Dental insurance is considered the 10th essential health benefit required for all children under the age of 19. This coverage can be applied for anytime during the year, however there may be waiting periods to receive all of the benefits under the policy.
Below are a collection of case studies: companies we've helped streamline their protection or employee benefits packages. With each, you'll learn how we assessed each client's needs and built a specialized solution to match. Whether you need help with Business Insurance, Employee Benefits, or 401K Implementation for your team, BHS provides expert help.
Workers Compensation Insurance
Workers' compensation, often referred to as workers' comp, is a type of insurance that provides benefits to employees who are injured or become ill as a result of their job. It helps cover medical expenses, rehabilitation costs, and a portion of lost wages for the injured worker. Workers' compensation insurance also protects employers by limiting their liability for workplace injuries or illnesses, as it typically provides coverage regardless of who is at fault for the incident.
Professional Liability Insurance
Healthcare companies face complex risk management issues. The BHS team analyzes your professional liability/indemnity, executive risks, property, and casualty insurance programs to ensure you have what you need: cost-effective, comprehensive coverage to protect your patients and your people.
Builders Risk Insurance
Builder’s risk insurance is the backbone of risk management for the construction trades. The BHS team of specialists will help you source this complex coverage to protect your projects.
If you’re faced with a lawsuit or need to pay expenses to another party as a result of an injury or accident– the costs may quickly exceed the coverage limits of your auto or homeowners policy. A personal umbrella insurance policy provides broad coverage designed to protect your personal assets from unexpected catastrophic lawsuits.
Travel Insurance
Travel insurance can help protect unforeseen events—whether medical or situational. Travel medical is comforting, even if you have worldwide coverage on your health policy at home.
Identity Theft Insurance
Pet Insurance
Your pets are part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs. According to the ASPCA, most pet owners will likely incur at least one $2,000 – $4,000 bill for emergency care at some point during their pet’s lifetime. Life-saving veterinary treatments ranging from chemotherapy to ACL surgery can be even more expensive. Pet Insurance helps ensure you never have to make a difficult decision about your loyal friend based solely on finances.
Over 20% of all flood insurance claims are from outside of a “high risk” flood area ( https://www.floodsmart.gov/flood-insurance/why ). If you are not in a “high risk” flood zone, then you may be eligible for lower-cost preferred rating.