Complete Insurance Services, Inc.

Auto, Homeowners, Business, Medical & Life Insurance

Auto, Homeowners, Business
Medical & Life Insurance


Call: 248-682-1510 File A Claim Get A Quote

Protect Your Assets with a Personal Umbrella Policy

Even though you have insurance that protects your automobiles, your home or your “toys” (boats, motorcycles and seasonal locations), do you have insurance that protects your assets? Is protecting your family’s financial assets a priority for you?
Auto-Owners Insurance can help protect your assets with a personal umbrella policy.

WHAT IS A PERSONAL UMBRELLA POLICY?
A personal umbrella policy provides additional liability limits above your personal auto, homeowners and watercraft policies. It protects your assets from a liability suit and from paying out of pocket if there were a catastrophic liability claim. It also provides defense coverage, and in some cases may provide coverage when your other policies do not.

CLAIMS EXAMPLES
Here are two examples how a personal umbrella policy may help you:

Automobile: You are involved in an accident with another automobile where the passenger in the other vehicle sustained major injuries. You could be sued for $2 million in medical bills.

Social Media: Your teenager writes something on a social media site about another person in their school. The other teen’s parents sue for $3 million, because they feel the remarks are defaming and disparaging.

In both cases, your primary policy may pay on average only $250 – $500K, leaving the additional burden to you and your family. A personal umbrella can help ease that burden.

WHAT IS THE COST FOR A PERSONAL UMBRELLA POLICY, AND ARE THERE ANY DISCOUNTS?
A personal umbrella policy is affordable. If you have only one automobile and one home, $1 million in coverage may cost just $150 to $200 a year. Additional automobiles, recreational vehicles, watercraft and additional liability limits would cause the premium to increase.

We all love lower premiums and there is a way for you to save money with multi-policy discounts. When you insure your automobiles and home with Auto-Owners Insurance, you will receive a discount on your personal umbrella policy. Conversely, a personal umbrella policy will give you a discount on your automobile and homeowners policies.

Contact our agency for more information regarding an Auto-Owners Insurance personal umbrella policy and how it will help protect you and your family.

Car Rental Coverage – What’s up with this rental?

We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at a common example: You take a vacation to Las Vegas and rent a car. How does coverage extend from your car to a rented car while on vacation? Under an Auto-Owners personal auto policy, if you have comprehensive and collision coverage, it carries over to a rental vehicle. Liability coverage (coverage for another person’s medical bills or damage to another person’s property) extends only to the insured(s), a spouse, relatives who live with the insured, and anyone the insured gives permission to use the rental vehicle.

Physical damage coverage (coverage for the rental car if it is damaged or stolen) applies only to the insured(s), spouse and relatives who live with the insured. The broadest or best coverage from any vehicle on your policy extends to the rented vehicle. In other words, as long as one of the vehicles on your policy has both liability and physical damage coverage, the car rented on vacation will have those same coverages. If coverage can be extended to the rental vehicle it is not necessary to purchase the damage waiver from the rental car company. The Auto-Owners policy is broader than the industry when it comes to rented vehicles regarding what is covered. If you have questions on this coverage, please contact us. Keep in mind that it will be important to understand why the vehicle is being rented and who will be driving it, as these facts are important in determining if coverage will apply for a potential claim. And please make sure the leased vehicle is rented for your personal use, and not for business.

Show You Care: Pet Protection

We know you adore your pet, but if you haven’t set aside savings to cover veterinary costs for injuries or treatment, pet insurance may be a smart move.

Here are some advantages of pet insurance through Figo that could save you money:

  • You can visit any licensed veterinary practice, emergency hospital or specialist.
  • Figo will not discriminate against any breed or age of pet.
  • It covers the necessary medical exams and care needed.
  • Coverage frees you from financial stress when faced with decisions on veterinary care.
  • Figo’s Pet Cloud and mobile app offer easy access to vets, medical records and more!

By enabling you to authorize the medical treatment they need, pet insurance coverage could save – and extend – the life of your pet.

Janitorial/Custodial Safety

From our friends at Accident Fund:

Janitorial/custodial workers play a key role in keeping the workplace operating safely. As they work to keep other employees and visitors safe, they often come into contact with hazards that increase their risk of injuries from slips/falls, material handling and chemical exposures. There are steps employer’s can take and general guidelines janitorial/custodial workers should follow to prevent unnecessary injuries.

General Janitorial and Custodial Safety Rules

• Do not obstruct exit pathways such as hallways or stairs.

• Use caution when mopping floors – use signage to mark wet/slippery floors. Also avoid upper torso twisting motions.

• Do not use chemicals that you have not been properly trained to use.

• Read the Safety Data Sheet (SDS) to understand the cleaning chemicals being used.

• Do not store flammable or combustible materials by boilers or other heat sources.

• Use care and proper handling techniques when dealing with hazardous trash such as broken glass, wires, rusty metals, etc.

• To move a load when your hands are full, use a cart and keep the load light. Never let a load obstruct your vision when traveling in hallways or stairways.

Specialized Insurance Plans

Specialized Insurance Plans

Personalized Insurance Coverage

Personalized Insurance Coverage

Contact Information

Contact Information

Complete Insurance Services, Inc.
1717 Cass Lake Rd, Keego Harbor, MI 48320

Phone: (248) 682-1510
Fax: (248) 682-1703
contact@completeins.com