Customers First Insurance Group

09/02/2026

Having insurance doesn’t necessarily mean you have the right restaurant insurance.

Restaurants combine kitchen equipment, perishable food, employees, customers, alcohol, delivery vehicles, and the possibility of an extended shutdown—all under one roof.

In our newest Insurance Dork video, we explain the policies and endorsements restaurant owners should consider, including equipment breakdown, food spoilage, business income, liquor liability, employee risks, and delivery exposures.

Not every restaurant needs every coverage. The important thing is understanding what your policy covers—and what it doesn’t.

Watch the full video:https://zurl.co/hISeW

If nobody has walked through these questions with you, Customers First Insurance Group would be happy to help review your Michigan restaurant insurance.

If you own a restaurant, having insurance isn’t necessarily the sam...

08/31/2026

🚜 Got a compact tractor? Let’s talk coverage.

Whether you use it around your property, hobby farm, acreage, or small business, your compact tractor may need more protection than you think.

Progressive offers coverage options for compact tractors, and we can help you understand what fits your situation.

Before you assume it’s covered under your homeowners policy, let’s review it.

📞 Contact Customers First Insurance Group today for a quote.

08/31/2026

Michigan PIP can feel way more complicated than it needs to be. 😵‍💫
Different limits, different rules, different ways your health insurance can come into play… and somehow you’re supposed to make the right choice.
So today we’re dorking out on Michigan PIP and trying to make it simple enough that even this classroom can follow along. 😂

08/05/2026

A contract can require coverage that the insurance policy may not actually provide.
That’s why a Certificate of Insurance should not be the only thing you rely on when the risk is meaningful. The contract may require additional insured status, waiver of subrogation, completed operations coverage, higher limits, or specific endorsements.

But the actual policy has to support those requirements.
The contract, Certificate of Insurance, and policy all need to tell the same story.

08/04/2026

Let’s get a little dorky about PIP. 🤓🚗

Personal Injury Protection may not be the flashiest part of an insurance policy—but understanding the coverage you carry before an accident is always a smart move.

Do you know what your PIP coverage does?

08/03/2026

🚲 Big news for e-bike owners!

Progressive is now offering insurance coverage for many e-bikes, helping riders protect their investment before they hit the road, trail, or bike path.

E-bikes can be expensive, and depending on how they’re used, they may not be properly covered under a standard homeowners or auto policy.

Before your next adventure, make sure your e-bike is protected.

📞 Contact Customers First Insurance Group today for a quote or coverage review.

08/02/2026

D&O insurance is important, but it is not a magic insurance force field.

It usually does not replace General Liability, Professional Liability, Cyber Liability, Workers’ Comp, or Employment Practices Liability.

It may not cover bodily injury or property damage. It may not cover intentional fraud or criminal acts. And employment-related claims may or may not be included, depending on the policy.

So don’t just ask, “Do we have D&O?”

Ask, “What does our D&O actually cover, who does it protect, and what is excluded?”

Watch the full Insurance Dork video here:
https://zurl.co/RT1NV

08/01/2026

A cheap D&O policy can be like a helmet made out of graham crackers.

It looks like protection until you actually need it.

With Directors & Officers Insurance, the details matter. Who is covered? Is the organization covered? Are volunteers covered? Are defense costs inside the limit? Are employment claims included or excluded? Are the individuals and the organization sharing the same limit?

A low-cost policy that excludes the claim you are worried about is not much comfort.

Watch the full Insurance Dork video here:
https://zurl.co/HLKxP

07/30/2026

Your truck insurance may help while you’re towing a camper.

But that does not automatically mean the camper itself is fully insured.

Liability while towing and physical damage coverage for the camper are two very different things. Before you buy that travel trailer or fifth wheel, make sure you know what is actually covered.

Full video here: https://zurl.co/MqggI