J Jacobs and Associates

06/08/2026

Michigan law requires most employers to carry workers' comp — but the rules have exceptions that confuse a lot of small business owners.

Sole proprietors. LLCs. Family members. Seasonal workers. The rules are different for each.

We wrote a guide that breaks it all down without the legalese: https://jjainsurance.com/blog/michigan-workers-compensation-do-you-need-it-guide-for-business-owners/

Not sure if your business is covered the right way? Call (248) 693-6455 — we work with 20+ commercial carriers.

06/03/2026

Michigan drivers: do you actually understand your no-fault coverage?

Most people pick a PIP level at renewal and never think about it again. But the option you chose determines what gets paid if you're in a serious accident — including whether Medicare steps in or not.

We wrote a guide specifically on Option 6 (the Medicare coordination option): https://jjainsurance.com/blog/michigan-no-fault-option-6/

Questions? Call (248) 693-6455 — our agents know Michigan no-fault law cold.

06/01/2026

Did you know bundling your home and auto with the same carrier can save you up to 20%? It sounds simple, but most people never ask because they got their policies at different times from different agents.

As an independent agency, we can bundle across carriers to find your best combined rate. Sometimes staying separate is smarter — we'll tell you honestly either way.

Call (248) 693-6455 or start a quote at https://jjainsurance.com/quotes/

05/30/2026

Test post from JJA Insurance

05/28/2026

This is great! Love to see a local family win.

💵MILLIONAIRE!💵
An Ortonville man matched all five white balls in a Powerball drawing last month.

05/28/2026

Quick tip: One of the fastest ways to lower your home insurance premium is to raise your deductible — but only if you have that amount sitting in savings.

Going from a $500 to a $2,500 deductible can cut your premium by 15–25%. It's not the right move for everyone, but it's worth the conversation.

We can run through the numbers with you in 10 minutes. Call (248) 693-6455 or get a quote at https://jjainsurance.com/quotes/

04/20/2026

Senior Sunday!