Insurance Insights & Tips

For many clients, the underwriting process can feel confusing or even intimidating. With the right understanding and preparation, however, each step becomes much easier to navigate. At Allen Harmon...

As businesses move through 2026, staying ahead of rising risks is essential for long-term stability. Challenges such as complex lawsuits, high-tech cyber threats, and climate-driven losses are...

Many boat owners look forward to warm-weather outings each year, but it’s easy to overlook whether your current policy truly protects you. Understanding potential gaps in boat insurance is...

Rising temperatures can create serious risks for employees working in construction, manufacturing, agriculture, and other demanding environments. As heat-related illnesses become more common during...

June is National Homeownership Month, making it an ideal moment to revisit whether your current homeowners insurance truly reflects your home as it is today. At Allen Harmon & Kozhuharov Insurance...

If you’ve ever tried to understand Michigan auto insurance, you already know it’s not simple. Between no-fault rules, required coverages, and optional protections, it’s easy to feel unsure about...

If you’ve ever tried to understand Michigan auto insurance, you already know it’s not simple. Between no-fault rules, required coverages, and optional protections, it’s easy to feel unsure about...

Life insurance is one of those decisions most people know they should make, but often delay. When they do start looking, the first question usually comes up quickly: should you choose term life or...

Spring naturally inspires us to reset, reorganize, and clear out what no longer serves us. As you tidy up your home, tackle seasonal projects, or sort through old boxes, there’s another area worth...

Slip and Fall Season: A Worry for Every BusinessAs the seasons change, business owners everywhere feel a hint of dread. The shifting weather doesn't just bring colder temperatures—it heralds the...

Homeownership is often seen as a rewarding journey, but it comes with its own set of challenges, especially when unexpected damage occurs—be it from a fallen tree, fire, or flooding. These events...

Fighting an Uphill Battle: Shorter Days, Greater RisksAs daylight hours dwindle with the onset of fall and winter, construction sites face heightened risks of theft and vandalism. These crimes cost...

Ah, fall! The vibrant array of leaves, the crisp air, and those long-awaited pumpkin spice flavors. But as we revel in autumn's beauty, it's crucial to remember a hidden risk that accompanies this...

The year 2025 is well underway, and staying informed about the evolving landscape of commercial insurance is vital for business owners aiming to protect their assets and plan effectively. While the...