Posts by Mike Hoskins
4 Lesser-Known Benefits of Disability Insurance
Disability insurance is well-known for replacing income when an employee’s illness or injury prevents them from working. Disability insurance programs also deliver individual and organizational value beyond income protection. For employees, disability insurance supports recovery, planning, and career continuity. For employers, it improves employee engagement, productivity, and retention. Below are 4 lesser-known ways disability insurance…
Read MoreLandscaping Season in Michigan 2026: Do not Dig Until You Call MISS DIG 811.
Spring has finally arrived in Michigan! The spring rains have washed away winter’s remnants, and homeowners across the state are eager to tackle their landscaping to-do lists. From the fresh scent of cut grass to vibrant new plants and warm sunshine, it’s the perfect time for big outdoor projects. Before you grab that shovel to…
Read MoreAre You Protecting Your Most Valuable Asset?
Most people think that their most valuable asset is real estate, investments, collections, etc. It could be argued that one’s most valuable asset is the revenue they generate through a job or a business. What would you do if you were too sick to work or had a non-work-related injury/illness that did not allow you…
Read MoreWhat is GAP coverage and do you need it?
A Guaranteed Asset Protection (GAP) endorsement covers the difference between the actual cash value of your vehicle and what you owe your lender when a covered total loss or theft occurs. New, used, and leased vehicles, and motorcycles, are all eligible for GAP. How GAP Endorsements Work … We all know that vehicles begin depreciating…
Read MoreIf Someone Slips on Your Icy Driveway, Are You Liable?
Winter weather home upkeep and planning thoughts from Auto-Owners Insurance Company … The colder months bring cozy nights, hot drinks and… the annual battle between you and your snow shovel. As tempting as it is to wait until the weekend to clear the ice, doing so could create more than just a slippery situation –…
Read MoreLife Insurance Made Easy
This blog was created with insights from Shannan O’Neil, a Life Product Services administrator at Auto-Owners Insurance Company Life is busy, and life insurance can seem like one more thing to figure out later. But protecting the people who depend on you doesn’t have to be overwhelming. This guide breaks it down. What is Life…
Read MoreSeptember is National Life Insurance Awareness Month
Fall weather is in the air and schools are back in session, we have left summer and have stepped into September. Along with September comes National Life Insurance Awareness month. According to the 2025 Insurance Barometer Study, conducted jointly by the Life Insurance Marketing and Research Association (LIMRA) and Life Happens, 51% of American adults…
Read MoreGet the most out of your grill by cleaning it regularly
by Scott Stueber, CPCU, CISR, AAI For some, Memorial Day is considered the unofficial start of the grilling season. However, if you are like many, you enjoy grilling out year-round. According to the Hearth, Patio, & Barbecue Association (HPBA), 70% of Americans own a grill or smoker. It is no surprise that a gas grill…
Read MoreSpring has sprung?
Spring in Michigan … is it here to stay or are the sporadic warm days tormenting us by giving a glimpse of things to come as we muddle through the next April shower or surprise snow/ice storm? The excitement of the changing weather, the emergence of new growth in the fields & gardens, and new…
Read MoreKeep Your Mind (and eyes) on the Road
What is distracted driving? According to the National Highway Traffic Safety Administration (NHTSA), distracted driving is “any activity that diverts attention from driving — anything that takes your attention away from the task of safe driving.” There are three main types of distractions: Visual: taking your eyes off the road Manual: taking your hands off…
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