Michigan work doesn’t stop when temperatures drop ❄■ In Michigan, a lot of trades still run year-round

— asphalt maintenance, HVAC installs, emergency plumbing, snow removal, and more. Winter adds

risk: icy surfaces, rushed repairs, and extra driving. That’s where your insurance program either

protects you… or leaves you exposed.

At Rumsey Insurance Agency Inc. in Flushing, we work with Michigan contractors every day — asphalt,

mechanical, electrical, small fleet service companies — and we see the same 3 weak spots over and

over.

1. General Liability that actually matches what you do

General liability is what steps in if your work causes damage or injury to someone else. Many

contractors still carry a ‘generic’ policy that doesn’t reflect their real operations. Updating your liability

policy before winter work ramps prevents issues later.

2. Commercial Auto Coverage for ALL Vehicles ■

Winter in Michigan means more driving, more borrowed vehicles, and more trailers on slick roads.

Personal auto policies don’t like business use — that’s what commercial auto is for. Make sure every

titled vehicle, trailer, and piece of equipment is properly listed and protected.

3. Proof-of-Insurance Requests

General contractors and job owners often ask for updated certificates of insurance (COIs). We make it

fast and easy to deliver clean, compliant certificates so you can get to work quickly.

The slower season is actually the best time to tighten up coverage — not when something’s already

gone wrong on a jobsite at 6:30 a.m. in January.

If you’re a Michigan contractor and you’d like a local coverage review, call Rumsey Insurance Agency

Inc. at (810) 659-6233 or stop by 1408 Flushing Rd, Flushing, MI 48433. You keep the jobs. We’ll help protect the business.