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J Jacobs and Associates

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J Jacobs and Associates

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J. Jacobs and Associates Independent Insurance Agency with over 15 companies for us to find you the right coverage for your family.

Family owned and operated for over 36 years. Service is our number one priority. We are a one stop shop for all of your auto insurance, home insurance, business insurance, commercial insurance, life or any other insurance you may have.

10/10/2026

Your experience mod is a multiplier on your workers' comp premium, and most Michigan businesses find out theirs is wrong only after paying it for three years.

A 1.25 mod means you pay 25% more than the class rate. A 0.85 means 15% less. The spread between those two on a $60,000 premium is real money.

The part worth understanding: frequency hurts you more than severity. Three $8,000 claims damage your mod more than one $24,000 claim, because the formula weights the number of claims heavily. That changes how you should handle small injuries.

Mods also lag by about three years, which cuts both ways.

https://jjainsurance.com/blog/workers-comp-experience-mod-michigan/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=workers-comp-experience-mod-michigan

10/09/2026

Your general liability policy does not cover your customers' cars. That is what garagekeepers coverage is for, and there are two versions of it.

Direct primary pays for damage to a customer vehicle regardless of who was at fault. Legal liability only pays if you were negligent. The second one is cheaper and it is what most Michigan shops end up with, often without being told the difference.

The scenario that exposes it: a fire or a hailstorm damages six cars on your lot. Under legal liability, you were not negligent, so nothing is covered, and you are explaining that to six customers.

Also worth confirming: SOS registration and the bond requirement.

https://jjainsurance.com/blog/michigan-auto-repair-body-shop-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=michigan-auto-repair-body-shop-insurance

10/08/2026

The single most common condo insurance argument in Michigan is where the association's coverage stops and the unit owner's begins.

The Condominium Act sets a floor, but your master deed is what actually controls. Walls-in and walls-out associations produce completely different answers about who insures the cabinets, the flooring and the drywall — and unit owners are usually operating on an assumption.

The related gap is loss assessment. When the association takes a large uninsured loss and assesses the owners, an HO-6 covers that only up to its loss assessment limit, which is often $1,000 by default.

Board members should also check whether D&O actually covers them:

https://jjainsurance.com/blog/michigan-condo-hoa-association-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=michigan-condo-hoa-association-insurance

10/07/2026

MISS DIG is not a courtesy call. It is a statutory obligation with a 72-hour notice window, and skipping it changes your insurance position, not just your legal one.

The bigger coverage issue in excavating is the XCU exclusions. CG 21 42 and CG 21 43 strip explosion, collapse and underground property damage out of a general liability policy. That is not a niche exposure for an excavator — that is the work.

A lot of excavating contractors are carrying a CGL that specifically excludes the three things most likely to cause a claim. It is usually on the policy because nobody asked to have it removed.

Check your policy for those two form numbers:

https://jjainsurance.com/blog/michigan-excavating-contractor-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=michigan-excavating-contractor-insurance

10/06/2026

Color season fills short-term rentals across northern Michigan, and most of those homes are not correctly insured.

A homeowners policy is written for a residence you occupy. Renting it out is a business use, and the business pursuits exclusion is what a carrier points to when a guest is injured or the property is damaged. It does not matter that you only rent six weekends a year.

Airbnb's AirCover is real but it is not liability insurance, it has exclusions, and it sits behind your own coverage rather than replacing it.

What actually triggers the exclusion, and how Michigan hosts fix it:

https://jjainsurance.com/blog/airbnb-short-term-rental-insurance-michigan/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=airbnb-short-term-rental-insurance-michigan

10/05/2026

The honest answer is that the range is wide, and the reason is usually classification rather than size.

A Michigan BOP for a small professional office runs very differently from one for a restaurant with the same square footage and the same revenue. Workers' comp swings harder still — the class code assigned to your payroll matters more than almost anything else you control.

What actually moves your number: loss history, classification accuracy, how your payroll splits between clerical and field, and whether you are buying the pieces separately or as a package.

Typical ranges by coverage for Michigan businesses:

https://jjainsurance.com/blog/how-much-does-business-insurance-cost-in-michigan/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=how-much-does-business-insurance-cost-in-michigan

10/04/2026

A signed waiver does not end a gym's liability in Michigan. It shifts the argument.

Michigan courts enforce waivers, but not for gross negligence, and not reliably when the waiver is buried in a membership agreement nobody read. Broken equipment you knew about is gross negligence territory.

Two specifics for Michigan operators: the health club AED statute has requirements around having a defibrillator and trained staff, and personal trainer services are professional liability — your general liability policy excludes them. A trainer writing programs is not covered by a CGL.

Unstaffed 24-hour access changes the risk picture again:

https://jjainsurance.com/blog/michigan-gym-fitness-studio-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=michigan-gym-fitness-studio-insurance

10/03/2026

ISO's assault and battery exclusion has been showing up on Michigan apartment renewals, and it is a bigger deal than the endorsement number suggests.

If an assault happens on your property and a resident sues over inadequate security, that exclusion is where the claim stops. On a multi-building property it is the single largest liability exposure you have.

Two more that surprise owners. Fair housing complaints are not general liability claims — they need employment practices or a specific fair housing endorsement. And Michigan's security deposit statute carries a double-damages penalty for improper handling, which no property policy touches.

Aluminum wiring is still the most common reason for a decline:

https://jjainsurance.com/blog/michigan-apartment-multifamily-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=michigan-apartment-multifamily-insurance

10/02/2026

Heating season is when HVAC claims arrive, and two exclusions do most of the damage.

The pollution exclusion. A refrigerant release is, under most CGL wording, a pollutant. That means the leak you caused may not be covered at all without a contractors pollution endorsement.

Faulty workmanship. Your CGL does not pay to redo your own bad work. It pays for the damage that bad work causes to something else. Those are very different numbers, and the distinction is where most denied claims in this trade come from.

CAOM code 5550 and Skilled Trades Act licensing are the other two items worth confirming:

https://jjainsurance.com/blog/michigan-hvac-mechanical-contractor-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=michigan-hvac-mechanical-contractor-insurance

10/01/2026

Three things make a Michigan home hard to insure, and none of them are the roof.

Restricted dog breeds, trampolines and pools. Carriers treat all three as attractive nuisances, and the underwriting response ranges from a liability exclusion to a flat decline.

The requirements are usually specific and fixable: a fence of a certain height with a self-closing latch, a safety net and pads on the trampoline, no diving board. Some carriers will write the risk with the feature excluded from liability, which is worth understanding before you accept it — an excluded pool means an injured guest is your problem personally.

If you have one of the three, know where you stand before renewal:

https://jjainsurance.com/blog/trampolines-pools-dogs-michigan-home-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=blog-social-2026-10&utm_content=trampolines-pools-dogs-michigan-home-insurance

Address

4301 S Baldwin Road
Lake Orion, MI
48359

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+12486936455

Website

http://www.jjainsurance.com/

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