Issue Alert

Demonstration of Insurance Policies as Contracts

Demonstration of insurance policies as contracts. Man holding home mini model.

Insurance policies are in fact contracts. All contracts, including insurance policies, contain rights and duties. A recent Michigan Court of Appeals case demonstrates that insurance policies are contracts. In the case of Fabatz v. Auto-Owners, December 17, 2020, Fabatz made an addition to their home in early 2017 at a cost of $150,000. The insurance […]

What Public Acts 21 and 22 Mean for Michigan No-Fault

Photo of Michigan Capitol, Lansing, Michigan. Michigan No-Fault Auto Coverage

  Public Acts 21 and 22 In May 2019, the Michigan legislature passed – and the Governor signed – Public Acts 21 and 22 of 2019. These Acts were the first comprehensive Michigan No-Fault Auto Insurance coverage changes of any substance in 40 years. The Acts have several staggered “triggers” that will have taken effect […]

Questionable Insurance Marketing Tactics

Photo of traffic and question mark graphic. Questionable insurance marketing tactics.

Recently, clients have made us aware of aggressive and questionable auto insurance marketing tactics and premium savings promises in marketing material sent to them by various companies. These materials include promises of “extremely high discounts” and “reductions of 50%.” One promised even more discounts if you didn’t have “operating under the influence” (DUI) charges. Of […]

Recent Events and Terrorism

Photo of a broken window

Recent events around protests, civil unrest, riots, and looting have reminded us of the importance of properly constructed property insurance. One notable element was President Trump’s recent declaration of ANTIFA as a domestic terrorist organization and the potential effect that may have on the property insurance exclusion language related to terrorism. In addition, could that […]

Indemnification and Hold Harmless Language

Photo of a desk with two people signing a contract

We have become aware of instances whereby certain indemnification and hold harmless language in contracts are being modified to include exposure for COVID-19 resulting from any property condition or your employees at a location. We urge clients to carefully review these provisions as counterparties may be modifying them without notice. Accordingly, please seek counsel as […]

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