Shield Insurance Agency Blog

Welcome to the Shield Insurance Agency Blog. 

Here you will find a ton of articles on each of these topics: Auto Insurance, Boat/Watercraft Insurance, Business Insurance, Flood Insurance, Health Insurance, Home Insurance, Insurance, Life Insurance, Michigan Auto Insurance Reform, Recreational Insurance, Renters Insurance, RV Insurance, Things To Do At Home, Umbrella Insurance, and even a list of the Shield Agency Weekly Gift Card Winners,

If you have any suggestions for content, please drop us an email.

Contractor Insurance to Protect Yourself and Your Business

Contractor Insurance to Protect Yourself and Your Business

Posted on by Shield Insurance Agency

Shield Insurance Blog | Contractor Insurance | Business Insurance |

As a contractor, you know that your job comes with a certain level of risk. Whether you’re working on a construction site or in someone’s home, accidents can happen. That’s why it’s important to have the right insurance coverage to protect yourself and your business. In this blog post, we’ll explore the different types of contractor insurance and why they’re important.

What is General Liability Coverage for Contractor Insurance?

General liability insurance for contractors is a type of insurance that provides coverage for bodily injury, property damage, and personal injury claims that may arise from your work as a contractor. This type of insurance is designed to protect you from financial loss if you’re found liable for damages or injuries caused by your work.

What Does Liability Contractor Insurance Cover?

Contractor liability insurance typically covers the following:

  • Bodily injury: If someone is injured on the job site or as a result of your work, your liability insurance will cover their medical expenses and any other damages they may be entitled to.
  • Property damage: If you damage someone’s property while working on a job, your liability insurance will cover the cost of repairs or replacement.
  • Personal injury: If you’re accused of slander, libel, or other types of personal injury, your liability insurance will cover the cost of legal fees and any damages awarded to the plaintiff.

How does business insurance for contractors work?

Business insurance for contractors is a type of insurance that provides coverage for a wide range of risks that your business may face. This type of insurance is designed to protect your business from financial loss if something goes wrong.

What does business insurance for contractors cover?

Business insurance for contractors typically covers the following:

  • Property damage: If your business property is damaged or destroyed, your insurance will cover the cost of repairs or replacement.
  • Business interruption: If your business is forced to shut down due to a covered event, your insurance will cover the lost income and expenses.
  • Workers’ compensation: If one of your employees is injured on the job, your insurance will cover their medical expenses and lost wages.
  • Professional liability: If you’re accused of professional negligence or errors and omissions, your insurance will cover the cost of legal fees and any damages awarded to the plaintiff.

Who needs Liability Construction Insurance?

If you’re a contractor, you need construction liability insurance. This type of insurance is essential for protecting your business from financial loss if something goes wrong on the job site. Even if you’re a small contractor, the cost of a lawsuit or damages can be devastating to your business. That’s why it’s important to have the right insurance coverage in place.

Affordable Contractor Insurance Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the unique risks that contractors face. That’s why we offer a wide range of insurance products designed specifically for contractors. We represent over 40 insurance companies, which means we can find the right coverage at an affordable price.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We’ll work with you to understand your business and find the right insurance coverage to protect your business from financial loss. Don’t wait until it’s too late – contact us today to get started.

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Commercial Property Insurance: Protecting Your Assets

Commercial Property Insurance: Protecting Your Assets

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Shield Insurance Blog | Commercial Property Insurance | Business Insurance | Start A Quote Today!

As a business owner, you know that protecting your assets is crucial to the success of your company. One of the most important assets you have is your commercial property. Whether you own the building or lease it, you need to have the right insurance coverage to protect it from unexpected events. In this blog post, we will discuss what commercial property insurance is, what it covers, and why you need it.

What is Small Business Commercial Property Insurance?

Small business property insurance is a type of insurance that provides coverage for your business property, including buildings, equipment, inventory, and other assets. This type of insurance is designed to protect your business from financial losses due to damage or loss of property caused by events such as fire, theft, vandalism, and natural disasters.

What Does Commercial Fire Insurance Cover?

Commercial fire insurance is a type of insurance that provides coverage for damage caused by fire to your commercial property. This type of insurance covers the cost of repairing or replacing your property, as well as any lost income due to the fire. It may also cover damage caused by smoke and water used to extinguish the fire.

How Does Landlord Commercial Building Insurance Work?

Landlord commercial building insurance is a type of insurance that provides coverage for commercial property owners who lease their buildings to tenants. This type of insurance covers the building and any attached structures, as well as any liability claims that may arise from injuries or damages that occur on the property. The tenant is responsible for insuring their property and liability.

What Does Commercial Property Insurance Cover?

Commercial property insurance covers a wide range of events that can cause damage or loss to your business property. Some of the most common types of coverage include:

  • Property damage: This covers damage to your building and any attached structures, as well as your business equipment, inventory, and other assets.
  • Business interruption: This covers lost income and other expenses that occur when your business is unable to operate due to a covered event.
  • Liability: This covers claims made against your business for injuries or damages that occur on your property.
  • Natural disasters: This covers damage caused by events such as hurricanes, tornadoes, earthquakes, and floods.
  • Theft and vandalism: This covers damage or loss caused by theft or vandalism.

Who Needs Landlord Commercial Property Insurance?

If you own a commercial property and lease it to tenants, you need commercial landlord insurance. This type of insurance provides coverage for the building and any attached structures, as well as any liability claims that may arise from injuries or damages that occur on the property. It is important to note that the tenant is responsible for insuring their property and liability.

Affordable Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the importance of protecting your commercial property. That’s why we offer affordable insurance solutions that provide the protection you need. We represent over 40 insurance companies, which allows us to find the best coverage at the best price for your business.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are committed to helping you protect your business and your assets.

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Swallowed By Whale

Kayakers Swallowed By Whale Live To Tell The Tale

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Shield Insurance Blog | June 8, 2023 | Swallowed By Whale | Life Insurance | Start A Quote Today

VIDEO: Humpback whale almost swallows kayakers near a California beach

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Julie McSorley says she learned an important lesson after she and her friend ended up in a humpback’s mouth: “Whales need their space.”

McSorley and Liz Cottriel were kayaking together in California’s San Luis Obispo Bay watching the whales feed on silverfish when one of the massive sea creatures surfaced beneath them, toppling their kayak and knocking them into the water.

Videos and photos from other kayakers and paddlers appear to show the women and their kayak being momentarily engulfed in the whale’s mouth — though the two friends say it all happened too fast for them to be sure.

“It’s definitely woke me up to the realization that, you know, our place is not in the feeding zone of whales,” McSorley told As It Happens host Carol Off.

“We didn’t think we were that close, but we definitely were right in the area that we shouldn’t have been — so I’ve learned my lesson, big time.”

Swallowed By Whale

AVILA BEACH, Calif. — Two whale watchers had a close encounter while kayaking off the coast of Avila Beach, California, that they will likely never forget.

Julie McSorley and Liz Cottriel were watching humpback whales on Monday when one decided to get up close and personal. A whale came up underneath them and caused them to capsize.

“I saw the big pool of fish, the big bait ball come up out of the water,” McSorley told CNN affiliate KMPH. “I saw the whale come up. I thought, ‘Oh, no! It’s too close.'”

“All of a sudden, I lifted up, and I was in the water.”

Footage from a witness nearby makes it appear as if the kayakers are being swallowed by the whale, but the two just tipped over.

“The whale was right here in my face, literally,” Cottriel told KMPH.

“I’m thinking to myself, ‘I’m gonna push. Like, I’m gonna push a whale out of the way! It was the weirdest thought. I’m thinking, ‘I’m dead. I’m dead.’ I thought it was gonna land on me. Next thing I know, I’m underwater.”

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Humpback whales typically feed on krill and small fish, according to the National Oceanic and Atmospheric Administration (NOAA).

The NOAA says humpback whales are popular among whale watchers as they are active on the surface and often jump out and slap the water with their pectoral fins or tails.

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Church Insurance: Protection and Peace of Mind for Churches and their Members.

Church Insurance: Protection and Peace of Mind for Churches and their Members.

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Shield Agency Blog | Church Insurance | Start A Quote Today!

Churches are an integral part of our communities, providing a place of worship, fellowship, and support for their members. However, like any organization, churches face risks and liabilities that can result in financial losses and legal disputes. That’s where church insurance comes in – it provides protection and peace of mind for churches and their members.

What is Church Liability Insurance?

Church liability insurance is a type of insurance that covers the legal liabilities and risks that churches face. It provides protection against claims of bodily injury, property damage, and personal injury that may arise from church activities, events, or operations. Church liability insurance can also cover legal defense costs and settlements or judgments that may result from lawsuits.

What Does Small Church Insurance Cover?

Small church insurance is designed for churches with fewer than 100 members and limited budgets. It typically includes liability coverage for property damage, bodily injury, and personal injury, as well as coverage for church property and equipment. Small church insurance may also include coverage for pastoral counseling, sexual misconduct, and employment practices liability.

How Does Church Building Insurance Work?

Church building insurance is a type of property insurance that covers the physical structure of the church, as well as its contents and equipment. It provides protection against damage or loss caused by fire, theft, vandalism, natural disasters, and other perils. Church building insurance may also cover additional expenses such as temporary relocation costs, debris removal, and loss of income.

What Does Pastoral Liability Church Insurance Cover?

Pastoral liability insurance is a type of insurance that covers the legal liabilities and risks that pastors and other church leaders face. It provides protection against claims of negligence, errors, or omissions in pastoral counseling, advice, or guidance. Pastoral liability insurance may also cover claims of sexual misconduct, defamation, invasion of privacy, and other related risks.

Who Needs Church Insurance?

Any church or religious organization that operates in the United States should consider purchasing church insurance. This includes churches of all sizes, denominations, and types of worship. Church insurance is especially important for churches that own property, employ staff, or engage in activities that involve potential risks and liabilities.

Affordable Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the unique needs and challenges that churches face. That’s why we offer a wide range of affordable church insurance options that provide comprehensive protection and peace of mind. Our experienced agents can help you assess your risks and customize a policy that meets your specific needs and budget.

Shield Insurance Agency represents over 40 insurance companies, which means we can shop around to find the best coverage and rates for your church. We also offer flexible payment options and discounts for bundling multiple policies. With Shield Insurance Agency, you can rest assured that your church is protected against unexpected losses and liabilities.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Don’t wait until it’s too late – protect your church and its members with church insurance from Shield Insurance Agency.

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History of July 4th Celebrations

History of July 4th Celebrations

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Shield Insurance Blog | HISTORY.COM | JUNE 21, 2022 | July 4th | Start A Quote Today!

The Fourth of July—also known as Independence Day or July 4th—has been a federal holiday in the United States since 1941, but the tradition of Independence Day celebrations goes back to the 18th century and the American Revolution. On July 2nd, 1776, the Continental Congress voted in favor of independence, and two days later delegates from the 13 colonies adopted the Declaration of Independence, a historic document drafted by Thomas Jefferson. From 1776 to the present day, July 4th has been celebrated as the birth of American independence, with festivities ranging from fireworks, parades and concerts to more casual family gatherings and barbecues. The Fourth of July 2022 is on Monday, July 4, 2022.

WATCH: The American Revolution Topic on HISTORY Vault

History of Independence Day, July 4th

When the initial battles in the Revolutionary War broke out in April 1775, few colonists desired complete independence from Great Britain, and those who did were considered radical.

By the middle of the following year, however, many more colonists had come to favor independence, thanks to growing hostility against Britain and the spread of revolutionary sentiments such as those expressed in the bestselling pamphlet “Common Sense,” published by Thomas Paine in early 1776.

On June 7, when the Continental Congress met at the Pennsylvania State House (later Independence Hall) in Philadelphia, the Virginia delegate Richard Henry Lee introduced a motion calling for the colonies’ independence.

Amid heated debate, Congress postponed the vote on Lee’s resolution, but appointed a five-man committee—including Thomas Jefferson of Virginia, John Adams of Massachusetts, Roger Sherman of Connecticut, Benjamin Franklin of Pennsylvania and Robert R. Livingston of New York—to draft a formal statement justifying the break with Great Britain.

Did you know? John Adams believed that July 2nd was the correct date on which to celebrate the birth of American independence, and would reportedly turn down invitations to appear at July 4th events in protest. Adams and Thomas Jefferson both died on July 4, 1826—the 50th anniversary of the adoption of the Declaration of Independence.

READ MORE: 7 Events That Led to the American Revolution

On July 2nd, the Continental Congress voted in favor of Lee’s resolution for independence in a near-unanimous vote (the New York delegation abstained, but later voted affirmatively). On that day, John Adams wrote to his wife Abigail that July 2 “will be celebrated, by succeeding Generations, as the great anniversary Festival” and that the celebration should include “Pomp and Parade…Games, Sports, Guns, Bells, Bonfires and Illuminations from one End of this Continent to the other.”

On July 4th, the Continental Congress formally adopted the Declaration of Independence, which had been written largely by Jefferson. Though the vote for actual independence took place on July 2nd, from then on the 4th became the day that was celebrated as the birth of American independence.

Early Fourth of July Celebrations and Traditions 

Click here for the rest of the story… 

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Commercial Auto Insurance Coverage for Vehicles Used for Business Purposes.

Commercial Auto Insurance Coverage for Vehicles Used for Business Purposes.

Posted on by Shield Insurance Agency

Shield Insurance Blog | Commercial Auto Insurance | Business Insurance | Start A Quote Today!

Commercial auto insurance is a type of insurance policy that provides coverage for vehicles used for business purposes. This type of insurance is essential for businesses that use vehicles for their operations, such as delivery trucks, company cars, and other types of vehicles. In this blog post, we will discuss business car insurance, what it covers, how it works, who needs it, and how to get affordable protection for your business vehicles.

What is Commercial Auto Insurance?

Business car insurance, also known as commercial auto insurance, is a type of insurance policy that provides coverage for vehicles used for business purposes. This type of insurance is different from personal auto insurance, which only covers vehicles used for personal use. Business car insurance is designed to protect businesses from financial losses that may arise from accidents, theft, or other incidents involving their vehicles.

What Does Business Car Insurance Cover?

Business auto insurance covers a wide range of risks associated with using vehicles for business purposes. Some of the common types of coverage included in a commercial auto insurance policy are:

  • Liability coverage: This type of coverage provides protection against claims made by third parties for bodily injury or property damage caused by your business vehicle.
  • Collision coverage: This type of coverage provides protection against damage to your business vehicle caused by a collision with another car or object.
  • Comprehensive coverage: This type of coverage provides protection against damage to your business vehicle caused by non-collision events, such as theft, vandalism, or natural disasters.
  • Uninsured/underinsured motorist coverage: This type of coverage provides protection against damages caused by a driver who is uninsured or underinsured.
  • Medical payments coverage: This type of coverage provides coverage for medical expenses incurred by you or your passengers in the event of an accident.

How Does Insuring a Business Auto Work?

Insuring a business vehicle is similar to insuring a personal vehicle. The first step is to determine the type of coverage you need based on your business needs and the risks associated with using your vehicles. Once you have determined the type of coverage you need, you can start shopping for insurance policies from different insurance companies.

When you apply for a commercial auto insurance policy, the insurance company will ask you to provide information about your business, the vehicles you use, and the drivers who will be operating the vehicles. The insurance company will use this information to determine the cost of your policy and the level of coverage you need.

What Doesn’t Commercial Auto Insurance Cover?

While business auto insurance provides coverage for a wide range of risks associated with using vehicles for business purposes, there are some things that it does not cover. It is important to understand what is not covered by your commercial auto insurance policy to ensure that your business is fully protected from financial losses.

One thing that business auto insurance does not cover is the personal use of your business vehicle. If you use your business vehicle for personal use, such as running errands or commuting to work, you may need to purchase a separate personal auto insurance policy to cover these activities.

Another thing that business auto insurance does not cover is intentional acts or criminal activities. If you or one of your employees intentionally causes damage to another person’s property or engages in criminal activities while using your business vehicle, your insurance policy may not provide coverage for these incidents.

Finally, business auto insurance may not provide coverage for certain types of vehicles or activities. For example, if you use your vehicle for racing or other high-risk activities, your insurance policy may not provide coverage for these activities. Additionally, some types of vehicles, such as motorcycles or recreational vehicles, may require a separate insurance policy to provide adequate coverage.

Who Needs Commercial Auto Insurance?

Any business that uses vehicles for business purposes needs commercial auto insurance. This includes businesses that use vehicles for deliveries, transportation of goods, or transportation of employees. Even if you only use your personal vehicle for business purposes occasionally, you may still need commercial auto insurance to protect your business from financial losses.

Affordable Protection

Getting affordable protection for your business vehicles is essential to ensure that your business is protected from financial losses. Shield Insurance Agency represents over 40 insurance companies, which means we can help you find the best coverage at the most affordable price. Our experienced agents will work with you to understand your business needs and help you find the right coverage for your vehicles.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are committed to providing our clients with the best possible service and protection for their business vehicles. Let us help you protect your business today!

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Cannabis Insurance: Protecting Your Business and Investment

Cannabis Insurance: Protecting Your Business and Investment

Posted on by Shield Insurance Agency

Shield Insurance Blog | Cannabis Insurance | Click here to start a Quote

As the cannabis industry continues to grow, so does the need for proper insurance coverage. Cannabis insurance is a type of coverage that is specifically designed to protect businesses and individuals involved in the cannabis industry. Whether you are a cultivator, processor, distributor, or dispensary owner, having the right insurance coverage is essential to protect your investment and ensure your business is protected from potential risks.

What is Cannabis Insurance?

Cannabis insurance is a type of coverage that is specifically designed for businesses and individuals involved in the cannabis industry. This type of insurance provides coverage for a wide range of risks, including property damage, theft, liability, and more. Cannabis insurance policies can be customized to meet the unique needs of each business, ensuring that they have the right coverage to protect their investment.

What Does Hemp Business Insurance Cover?

Hemp business insurance is a type of cannabis insurance that is specifically designed for businesses involved in the cultivation, processing, and distribution of hemp products. This type of insurance provides coverage for a wide range of risks, including property damage, theft, liability, and more. Hemp business insurance can also provide coverage for product liability, which is essential for businesses that produce and sell hemp products.

How Does Medical Cannabis Insurance Work?

Medical cannabis insurance is a type of coverage that is specifically designed for businesses involved in the production and distribution of medical cannabis products. This type of insurance provides coverage for a wide range of risks, including property damage, theft, liability, and more. Medical cannabis insurance can also provide coverage for product liability, which is essential for businesses that produce and sell medical cannabis products.

What Doesn’t Cannabis Insurance Cover?

While cannabis insurance provides coverage for a wide range of risks, there are some things that it does not cover. For example, cannabis insurance typically does not provide coverage for illegal activities, such as the production and distribution of cannabis in states where it is still illegal. Additionally, cannabis insurance may not provide coverage for certain types of property damage, such as damage caused by earthquakes or floods.

Who Needs Business Insurance for Hemp?

Any business involved in the cultivation, processing, or distribution of hemp products should have hemp business insurance. This includes businesses that produce and sell hemp products, as well as businesses that provide services to the hemp industry, such as testing labs and transportation companies. Having the right insurance coverage is essential to protect your investment and ensure your business is protected from potential risks.

Affordable Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the unique needs of businesses involved in the cannabis industry. That’s why we offer a wide range of cannabis insurance policies that can be customized to meet the unique needs of each business. Our policies provide affordable protection against a wide range of risks, including property damage, theft, liability, and more.

As an independent insurance agency, Shield Insurance Agency represents over 40 insurance companies, giving us the ability to find the right coverage at the right price for each of our clients. We work with businesses of all sizes, from small startups to large corporations, and we are committed to providing the highest level of customer service and support.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your investment and ensure your business is protected from potential risks with the right cannabis insurance coverage.

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Birth of a Rare Sulawesi Monkey–One of World’s Most Endangered Primates is Celebrated

Birth of a Rare Sulawesi Monkey – One of the World’s Most Endangered Primates is Celebrated

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GoodNewsNetwork | Andy Corbley | Jun 6, 2023 | Monkey | Insurance | Start A Quote

Conservationists are celebrating the birth of one of the world’s most endangered primates at a UK zoo.

The rare Sulawesi crested macaque was born on May 16th at the Chester Zoo to proud new mom Rumple and dad Mamassa.

Adorable Monkey

Adorable photographs show the new arrival clinging on to its mother as it made its first outside appearance at its enclosure at the UK’s largest and most-visited zoo.

The species is listed as Critically Endangered by the International Union for Conservation of Nature (IUCN) and fewer than 5,000 remain in their natural habitat on the Indonesian island of Sulawesi.

Though the adults’ faces are jet black, the babies are born with a buckskin leather tone that highlights their beautiful eyes.

Rumple and baby Sulawesi crested macaque monkey at Chester Zoo – SWNS
“Sulawesi crested macaques are highly sociable animals that live in large groups, and so the new baby is currently being passed around by mom Rumple to several other females, who are all sharing parenting duties, which is great to see,” explained Mark Brayshaw, head of mammals at the zoo.

“Every birth is a step forward for the international conservation breeding program that’s working to safeguard the future of this critically endangered species. It also provides an opportunity to learn more about their behavior, biology, and social structures, which all help to inform the efforts to protect the species globally.”

Sulawesi is the world’s 11th largest island at about 70,000 square miles and is located east of Borneo. A large percentage, 62% (79 species) of the mammals on the island are endemic, meaning that they are found nowhere else in the world.

NOTE: From Wikipedia:

Celebes crested macaque monkey

Celebes crested macaque at Diergaarde Blijdorp in Rotterdam, Netherlands
Conservation status: Critically Endangered (IUCN 3.1)[2]

Celebes crested macaque range
(blue—native, red—introduced)
The Celebes crested macaque (Macaca nigra), also known as the crested black macaque, Sulawesi crested macaque, or the black ape, is an Old World monkey that lives in the Tangkoko reserve in the north-eastern tip of the Indonesian island of Sulawesi (Celebes), as well as on smaller neighbouring islands.

Description
Locally known as yaki or wolai, its skin and hairless face is, with the exception of some white hair in the shoulder range, entirely jet black. Unusual for a primate, it has striking reddish-brown eyes. The long muzzle with high cheeks and the long hair tuft, or crest, at the top of the head are remarkable features. It has an ‘apelike’ appearance due to its almost non-existent, non-visible, vestigial tail stub of only approximately 2 centimetres (0.79 inches). With a total body length of 44 to 60 centimetres (17 to 24 inches), and a weight of 3.6 to 10.4 kilograms (8 to 23 pounds), it is one of the smaller macaque species. Its life expectancy is estimated at 15 to 20 years in the wild.

Read More on this cute little Monkey

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Business Interruption Insurance: Protecting Your Business Income

Business Interruption Insurance: Protecting Your Business Income

Posted on by Shield Insurance Agency

Shield Agency Blog | Business Interruption Insurance | Click here to start a quote

As a business owner, you know that unexpected events can happen at any time. From natural disasters to equipment breakdowns, these events can cause significant damage to your business and disrupt your operations. This is where Business Interruption insurance comes in. In this blog post, we will discuss what Business Interruption insurance is, what it covers, how it works, who needs it, and more.

What is Business Interruption insurance?

Business Interruption insurance is a type of insurance that provides coverage for loss of business income due to unexpected events. It is designed to help businesses recover from financial losses that result from interruptions to their operations. This type of insurance can be purchased as a standalone policy or as part of a broader commercial insurance package.

What does Business Interruption insurance cover?

Business Interruption insurance covers loss of business income due to unexpected events such as natural disasters, fires, equipment breakdowns, and other events that disrupt your operations. It can also cover additional expenses that you may incur to keep your business running during the interruption period. These expenses may include rent, utilities, payroll, and other costs that are necessary to keep your business operational.

How Does Business Interruption Insurance Work?

When you purchase Business Interruption insurance, you will need to provide your insurance company with information about your business income and expenses. This information will be used to determine the amount of coverage you need. If an unexpected event occurs that interrupts your business operations, you will need to file a claim with your insurance company. Your insurance company will then review your claim and determine the amount of coverage you are entitled to receive.

What Doesn’t Business Interruption Insurance Cover?

It is important to note that Business Interruption insurance does not cover all types of interruptions to your business operations. For example, it typically does not cover interruptions caused by a pandemic or government shutdowns. It is important to review your policy carefully to understand what is and is not covered.

Who Needs a Business Interruption Insurance Policy?

Any business that relies on its income to operate should consider purchasing Business Interruption insurance. This includes businesses of all sizes and industries. If your business would suffer financially from an unexpected interruption to your operations, then you should consider purchasing this type of insurance.

Business Income and Loss of Business Income

Business income is the revenue that your business generates from its operations. Loss of business income occurs when your business is unable to generate revenue due to an unexpected interruption to your operations. This can be caused by a variety of events, including natural disasters, fires, equipment breakdowns, and other events.

Affordable Protection and Safety

Business Interruption insurance is an affordable way to protect your business income and ensure that you can continue to operate in the event of an unexpected interruption. It provides peace of mind and financial security, allowing you to focus on running your business without worrying about the financial impact of unexpected events.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your business income. That’s why we offer a wide range of commercial insurance products, including Business Interruption insurance. We represent over 40 insurance companies, which allows us to find the best coverage at the most affordable price for your business.

Contact Shield Insurance Agency for a Free Quote Today

If you are interested in purchasing Business Interruption insurance or any other type of commercial insurance, contact Shield Insurance Agency today. We offer free quotes and can help you find the coverage you need to protect your business income. Call us at (616) 896-4600 or start the quoting process by visiting this LINK and an agent will be in touch soon.

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‘Gift of Adoption’ Marks 5,000th Child Given a Home–Covering the Fees to Keep Siblings Together

‘Gift of Adoption’ Marks 5,000th Child Given a Home–Covering the Fees to Keep Siblings Together

Posted on by Shield Insurance Agency

GoodNewsNetwork.org | May 27, 2023 | Adoption | All Insurances | Start A Quote Today!

An American nonprofit is celebrating a huge milestone after helping to unite three brothers at risk of separation—into a new forever family.

The Illinois-based Gift of Adoption Fund has facilitated the placement of 5,000 children since its founding 26 years ago—with over $15 million in grants awarded.

They provide grants of up to $15,000 to help families complete adoptions of kids in vulnerable circumstances—including, most recently, three brothers born in Ecuador.

Gift of Adoption Milestone

“Gift of Adoption is elated to mark this milestone by helping to keep together three siblings at risk of separation,” said Gift of Adoption CEO Pam Devereux. “We’re incredibly grateful to our donors, volunteers and the families with a heart for adoption – we all reached this milestone together.”

Eleven-year-old Josue is the 5,000th child whose adoption was completed with assistance from the nonprofit. He was adopted along with biological brothers Darwin, 9, and Abraham, 6. The siblings were in an orphanage in Ecuador for five years—and at risk of separation—before Nicole and David gave them a new forever family in Wisconsin.

The couple had always sought to adopt older siblings, knowing how much it means to grow up together in the bonds of family—and the negative life outcomes that often await children who age-out of orphanages.

International Sibling Adoptions

“Although international sibling adoptions can be complex and expensive, once we saw their faces, we knew we would make it work in any way we could,” Nicole said. “We are so happy that we can provide a permanent home for these brothers, and they can now grow up together in a stable environment.”

While a reported one-third of Americans have considered adoption, fewer than 4% complete the process- with many citing the high expense as a barrier. Gift of Adoption prioritizes grants for children facing what might be their only chance at adoption, such as those at risk of separation from siblings, entering foster care, aging out of a care system or with medical needs.

Read more about International Adoption

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