Farmers Market - Shield Insurance Agency Blog

Stop by the Farmers Market in Hudsonville!

TODAY June 2, 2021 9am to 1pm

at the Terra Square

Stop by to meet Joe, Sean and his wife Kat, and register to win a robot vacuum or local gift cards!!

All the details can be found at the Chamber website be sure to check it out and visit the market!


TERRA SQUARE FARMERS MARKET Shield Insurance Agency

The home of Hudsonville’s Farmers Market.
Hudsonville farmers are passionate about bringing the community together over farm fresh produce they have been growing for generations. The Terra Square Farmer’s Market will be a place where we inspire healthy, full, and abundant living. Growing together, food and community.

Click here to visit the web site for all the detais !

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Shield Insurance Nominated for Business Excellence Award - Shield Insurance Agency Blog

Join the Celebration: Shield Insurance Agency Recognized for Business Excellence!

Shield Insurance Agency | Shield Blog | About Us | Start A Quote Today! | Business Excellence Award

We are pleased to announce that Shield Insurance Agency has been nominated for the prestigious Business Excellence Award. This recognition is a testament to our commitment to providing exceptional insurance services and our dedication to our clients.

The Business Excellence Award is given to companies that have demonstrated outstanding performance, innovation, and leadership in their respective industries. It recognizes organizations that have achieved significant growth, maintained high ethical standards, and made a positive impact on their communities.

We are honored to be considered for this award and would like to express our gratitude to our clients for their continued support and trust in our services. This nomination serves as motivation for us to continue delivering the highest level of service and to constantly improve our offerings.

We would also like to extend our appreciation to our dedicated team members who have worked tirelessly to ensure the success of our agency. Their hard work, expertise, and commitment to excellence have been instrumental in our nomination for this prestigious award.

Winners of the Business Excellence Award will be announced at a ceremony later this year. We are excited about the opportunity to be recognized among other outstanding businesses and look forward to the results.

Once again, we would like to thank everyone who has contributed to our success and helped us achieve this nomination. We remain committed to providing exceptional insurance services and being a trusted partner for all our clients’ insurance needs.

Thank you for your continued support.

Big News from the Hudsonville Chamber of Commerce!

It’s Awards Season!


The Chamber is SO excited to be hosting the Chamber Awards once again this year!

Here are our nominees for the 2021 Awards!
::::: drumroll :::::

Business Excellence Award

  • Hudsonville Physical Therapy
  • Advent Physical Therapy
  • Shield Insurance Agency

Leadership Award

  • Dr. Therese House-Vereeke
  • Patrick Waterman
  • Mary Jane Schreur

Spark Award

  • Hand 2 Hand Ministries
  • Meijer
  • Joy 99

The winners of the Awards will be announced at our official Awards Ceremony MEAL. June 17th at noon at the Pinnacle Center.

Make sure to get registered, we hope to see you there!


Visit the Shield Insurance Blog for some great reading…

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Michigan Tornado - Shield Insurance Agency Blog

Michigan Tornado: Be Prepared

Michigan Tornado

On average Michigan has 15 tornadoes per year. Tornadoes are known to develop rapidly, with little advanced warning. The average lead time for a Michigan tornado warning is 10 to 15 minutes and winds can reach over 200 mph, which is why Michigan residents are encouraged to prepare and make a plan before a tornado strikes.

Each year during Severe Weather Awareness Week, a statewide tornado drill is held so you can practice your plan.

BE PREPARED:

Terms:

Michigan Tornado Watch: Tornadoes are possible. When there is a Watch, move near enough to a shelter or sturdy building to be able to get inside quickly if there is a Warning or if you see signs of a tornado approaching. Remain alert for approaching storms. Watch the sky and stay tuned to NOAA Weather Radio, commercial radio, or television for information.

Michigan Tornado Warning: A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Supercell: A system producing severe thunderstorms, featuring rotating winds sustained by a prolonged updraft that may result in hail or tornadoes.

Enhanced Fujita (EF) Scale: Rates the strength of tornadoes in the United States and Canada. There are six categories for the EF scale and are in order of increasing intensity. *It is based on wind estimates of a 3-second gust.*

  • EF0: Tornadoes with an estimated wind speed of 65-85 mph and leads to light damage.
  • EF1: Estimated wind speed of 86-110 mph with the potential of moderate damage.
  • EF2: Estimated wind speeds of 111-135 mph with significant damage potential.
  • EF3: Estimated wind speeds of 136-165 mph with severe damage potential.
  • EF4: Estimated wind speeds of 166-200 mph with devastating damage potential.
  • EF5: Estimated wind speeds of over 200 mph with incredible damage potential.

Before a Michigan Tornado:

  • Identify safe rooms built to FEMA criteria or ICC500 storm shelters or other potential protective locations in sturdy buildings near your home, work, and other locations you frequent so you have a plan for where you will go quickly for safety when there is a Warning or an approaching tornado.
  • For schools, malls, and other buildings with long-span roofs or open space plans, or many occupants, ask the building manager to identify the best available refuge. 
  • Build an emergency kit and make a family communications plan.
  • Sign up for your community’s warning system.  The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts.  If your community has sirens, become familiar with the warning tone.
  • Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information. Meteorologists can predict when conditions might be right for a tornado.  In an emergency, always listen to the instructions given by local emergency management officials.
  • Be alert to changing weather conditions.  Look for approaching storms.
  • Look for the following danger signs:
    • Dark, often greenish sky
    • Large hail
    • A large, dark, low-lying cloud (particularly if rotating)
    • Loud roar, similar to a freight train.
    • If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

During a Tornado:

  • If you are under a tornado warning, seek shelter immediately!  Most injuries associated with high winds are from flying debris, so remember to protect your head.
  • If you are in school, nursing home, hospital, factory, shopping center, high-rise building then:       
    • Go to a pre-designated area such as a safe room built to FEMA criteria, basement, storm shelter, or the lowest building level. If there is no basement, go to the center of a smaller interior room, such as a closet or hallway, that is away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and cover your head and neck with your arms and cover your body as best you can e.g., with a heavy coat or blankets, pillows.
    • In a high-rise building, go to a small interior room or hallway on the lowest floor possible.
    • Do not open windows.

After The Tornado

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Insuring Your Home-Based Business - Shield Insurance Agency Blog

Home Business Insurance

Home business insurance: Business property vs. homeowners coverage

Home Business Insurance. The line between homeowners insurance and business property insurance can be blurry if you have a home-based business.

Your homeowners policy may provide some coverage for your business property, but limits are typically low. And it may not be enough if the value of the property is more than a few thousand dollars.

Home business insurance can help protect everything you need to run your company with much higher limits than those provided by homeowners insurance. And it offers additional protection homeowners insurance doesn’t have.

What does homeowners insurance cover?

Homeowners insurance is meant to protect your home and personal possessions.

If your house burns down in a fire or a tree comes crashing through your roof, the insurance company will help you cover costs to repair or replace your personal belongings and the physical structure of your home.

But most homeowners insurance policies only cover business property up to $2,500. So if that same tree comes crashing through your roof and destroys the equipment you use in your business, your insurer will reimburse you up to the policy’s limit for business property.

If you only need a laptop and some basic office supplies, that might be enough. 

You might need business insurance if you have more than $2,500 in business equipment at your home

If you have special business equipment, office furniture, or inventory stored in your home, you probably need more coverage than what your homeowners insurance can provide.

For example, let’s say you’re a photographer and you have a studio in an extra bedroom or garage at your home. The tree destroys your camera, lighting, backdrops, props, and other equipment. If you don’t have commercial property insurance, your homeowners insurance is unlikely to reimburse you for everything you lost.

If the limit isn’t high enough to cover all the property that was damaged, you’ll have to pay the difference to replace your equipment so that you can get back to work.

If you keep business supplies somewhere other than your home, such as in your car or a storage unit, the coverage limits in a homeowners insurance policy are typically even lower.


What does commercial property insurance cover?

Commercial property insurance helps protect all the things you need to do business. Plus, it covers things homeowners insurance doesn’t. Here are three types of coverage commercial property insurance offers that can help protect your home-based business: 

Click here for the rest of the story

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Want More Energy In The Morning - Shield Insurance Agency Blog

Want More Energy In The Morning?

Want More Energy In The Morning? Try This Easy Science-Backed Method.

By Kate Bratskeir | 04/14/2021 05:45am EDT | Huffpost.com

Wouldn’t it be wonderful if you could magically turn yourself into a morning person? This doesn’t have to be just a dream: A group of sleep researchers developed a method that could very well transform the way you feel during the wee hours of the morning — or at least help you get more energy and feel a little less sluggish in the a.m.

The science-backed process ― called the RISE-UP method ― was created a few years ago, but it’s especially helpful now. The pandemic has made sleep inertia — the transitional state between sleep and wake, marked by grogginess, impaired performance, and a desire to return to sleep — more common, said sleep researcher Kate Kaplan, a clinical instructor at the Stanford University School of Medicine. Adjusting your morning habits using the technique may help reverse some of those effects.

Click here for the rest of the story


Recent Blogs

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8 Easy Steps to a More Organized Home - Shield Insurance Agency Blog

8 Easy Steps to a More Organized Home

An Organized Home: Even small efforts to declutter can lead to tidier spaces

En español | We love to think about decluttering and having an organized home. But we don’t always love to do it.

Last year, people binge-watched The Home Edit on Netflix to see pantries and bookshelves organized in a rainbow of colors and messy garages and bedrooms transformed. In the past, people have Marie Kondo–ed their closets and drawers by tossing items that don’t spark joy.

It can be hard to get around to decluttering in real life, even when people are spending more time at home because of COVID-19. But a few small steps can help jump-start the effort and may even improve your mental health just as much as your home.

“The more clutter you have, the less happy you tend to be,” says Joseph Ferrari, a professor at DePaul University, who along with his research partner has studied the negative impact of all that stuff. “The more you have, the less life satisfaction people report.”

Decluttering for an organized home made simple

Click here for the rest of the story.


Check out the rest of the blogs at the Shield Insurance Agency website!

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Careful when choosing your deductible - Shield Insurance Agency Blog

Careful when choosing your deductible

Choosing Your Deductible | Shield Insurance Agency Blog | Start A Quote Today!

Careful when choosing your deductible

A high deductible is often a great way to keep your insurance premiums down.  However, you shouldn’t set a deductible that is so high that you cannot afford to pay the deductible when you have a claim.  I’ve seen people change their collision deductible from a $500 deductible to a $1,000 deductible because money was tight and this allowed them to save about $10 per month on the premium.

Wouldn’t you know it, but not even 2 months later they ended up in an At-Fault accident.  Money was tight so they didn’t have that $1,000 to get the vehicle repaired. It took forever to save up that $1,000 so they were down to one vehicle which made it tough getting back and forth to work.

Please make sure you have something in savings for an emergency.  Whether it’s a car accident or your furnace breaks down. Emergencies will happen, but if you’re prepared, you can transform that emergency into an inconvenience.

submitted by Joe


Recent Blog Posts

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Save Money On Renters Insurance - Shield Insurance Agency Blog

Save money on renters insurance

Top ways customers say they’ve saved money on renters insurance


Buying renters insurance isn’t always considered a priority by renters. Some might not even consider it if the rental agreement doesn’t require it. The good news is that renters insurance is generally very affordable and easy to obtain.

As noted, it is now frequently a requirement to show proof of an active renters insurance policy when you sign a lease agreement.

Even though renters insurance coverage is very affordable, you still want to make sure that you’re getting the best price for the coverage that you need. If you want to know how to save on renters insurance, this post has some valuable tips from the best source — renters themselves.

Clearsurance looked at reviews and compiled this list of the top ways customers say they save money on renters insurance. These renters insurance tips from actual customers can guide anyone who is looking for cheap renters insurance for apartments or other rental properties.

Tip 1: Ask about renters insurance discounts

There are a lot of discounts available to renters, including some that you might not even realize can help you save money. For example, when you move into an apartment, you might think that the sprinklers or other fire suppression systems in your apartment are there to protect your landlord’s property, such as the building structure.

However, since these systems are effective at putting fires out quickly, they protect your personal property too, so many insurers will discount your renter’s insurance if your apartment or rental unit is equipped with them.

The same goes for other systems that may be installed by your landlord, such as security systems and alarms.

Even information such as the building’s construction and the materials it is made from can make you eligible for discounts, so don’t be afraid to ask your insurance company about discounts.

Here’s what one customer learned about Lemonade renters insurance:

“Best customer service ever! My lemonade policy barely costs a fast food meal a month. It’s so cheap. My property required renter’s insurance (which I really did not want at the time – I thought it was pointless, what could happen to me – right?!) I found lemonade online and chose them due to their great rates. I got a lot of discounts because I have a security system in my apartment and my complex has fire sprinklers in every room, fire alarms in every room, and smoke detectors in every room.” – sam1, Lemonade Customer Reviewer (Read the full review here.)

Tip 2: Regularly review your pricing

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Anchoring Your Mobile Home - Shield Insurance Agency Blog

Anchoring Your Mobile Home Video

Is your mobile home anchored and secured? Here are some great tips on anchoring your own mobile home! Shield Insurance Agency represents almost 40 insurance companies and will work to find you the best price for the most insurance. Call or Text 616.896.4600 for a free quote today!

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Insurance Terms Important to Know - Shield Insurance Agency Blog

Insurance Terms Important to Know

Shield Insurance Agency & Foremost Insurance Company present Insurance Terms

Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.

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