C.L. Finlan Insurance

10/01/2026

110 years later, a lot has changed.

The risks businesses face have changed.
The way families live has changed.
Insurance itself has changed.

But the way we believe people should be treated hasn’t.

Listen first.
Explain things clearly.
Get to know what someone is trying to protect.
Be here when life or business changes.

Being independent gives Finlan access to multiple insurance companies.

Being local means the relationship goes much further than that.

Thank you to Plymouth, Southeast Michigan, our clients, and our community for trusting Finlan for 110 years.

We’re proud to keep serving the place we’ve called home since 1916.

09/28/2026

Your business may have general liability coverage.

Commercial auto may provide another layer of liability protection.

But how do those policies work together if a covered liability claim reaches the applicable limits?

That’s where commercial umbrella coverage may come into the conversation.

A commercial umbrella policy can provide additional liability protection above certain underlying policies when the terms and requirements of the umbrella policy are met.

At Finlan, we don’t look at umbrella coverage as a standalone box to check.

We look at the larger liability picture.
⚠️ What does the business do?
⚠️ What vehicles are involved?
⚠️ Has the operation expanded?
⚠️ Have contracts introduced new requirements?
⚠️ Do the underlying policies work together the way they should?

If your business has changed, your liability structure deserves another look too.

09/25/2026

Michigan drivers: deer season is coming. 🦌 Michigan saw 58,271 vehicle-deer crashes in 2025 — about 160 every single day — and the busiest months are October through December.

Locally, Oakland County recorded over 2,000 deer crashes in 2024, second-most of any county in the state.

Here's what a lot of drivers don't realize: deer-strike damage is covered under COMPREHENSIVE coverage, not collision.

If you dropped comprehensive to save a few dollars, you could be paying for that repair out of pocket.

Not sure what's on your policy? We can check for you. Just give us a call (734) 453-6000.

09/24/2026

Your business can change a lot between insurance renewals.
📈 You add equipment.
📈 Bring on employees.
📈 Add a vehicle.
📈 Open another location.
📈 Take on a contract with new insurance requirements.

If your operation looks different than it did when your current policies were written, it's time for a review.

And not every insurance company approaches every business or industry the same way.

That’s one reason Finlan’s independent model matters.

We work with multiple insurance companies, which allows our team to look at how your operation has changed and evaluate available coverage among the carriers we represent.

The goal isn’t simply to move policies around.

It’s to make sure someone is looking at the business you have now and helping you understand whether your coverage still fits.

09/17/2026

September is Life Insurance Awareness Month 🌎 Here’s a simple place to start: Who depends on you?

A spouse.
Children.
A family member.
A business partner.

Anyone whose plans or responsibilities would be affected if you weren’t there.

Life insurance doesn’t need to begin with a complicated conversation about policies.

At Finlan, we start by understanding who you want to protect and what matters to you. Then
we can help explain the life insurance options available and answer your questions in plain
language.

What questions do you have about life insurance?

09/16/2026

September is a good time to get ahead of Michigan winter. 🍂❄️ A few things to put on your home checklist:

✔️ Have your heating system checked
✔️ Clean gutters and downspouts
✔️ Look for visible roof or exterior damage
✔️ Disconnect outdoor hoses before freezing weather
✔️ Know where your main water shutoff is

And while you’re checking the house, ask one more question:
Has the home changed since your insurance was last reviewed?

Maybe you finished a basement. Added a structure. Completed a renovation. Purchased something valuable. Or simply haven’t looked closely at the policy in a while.

At Finlan, we can review your current needs, explain your coverage clearly, and evaluate
available options from the insurance companies we represent.

If you’d like a fresh look at your homeowners coverage, we’re here to help.

Request a personalized quote at finlan.com/quote or call (734) 453-6000.

09/11/2026

September 11 reminds us how quickly an ordinary day can become a moment that changes everything.

Today, we remember the lives lost, the families whose worlds changed forever, and the first responders and everyday people who showed extraordinary courage in the face of unimaginable tragedy.

We also remember what followed: neighbors helping neighbors, strangers looking out for one another, and communities coming together when it mattered most.

May we carry a little of that spirit with us today and every day. Hold your loved ones close. Be kind to the people around you. And never forget.

We remember September 11, 2001. 🇺🇸

09/10/2026

Ever wonder why one neighbor's insurance went up 20% and another's barely moved?

A lot of it comes down to who they buy from.

A captive agent works for one company — so if that company raises your rate, they can't offer
you anything else.

An independent agent (that's us) works for you. We represent many carriers, so when one
raises rates or drops a coverage, we can shop the others without you starting over.

We just published a new guide on the difference — and why it matters more than ever in
Michigan right now.

Here's a simple thing you can do today: pull out your renewal notice and ask your current
agent, "If my rate keeps going up, what other carriers can you move me to?" If the answer is
"none", you'll know you're with a captive agent.

We're happy to give you a second set of options — just send us your declarations page. Call
(734) 453-6000.

Check our guide on the difference:

Learn how independent vs captive insurance agents differ, and how Finlan helps Michigan families and businesses review coverage across insurance companies.

09/08/2026

September is National Preparedness Month ⛈️ and one useful thing you can do for your
household doesn’t involve buying anything new.

✏️ 📷 Document what you already own.

Walk through your home and photograph or record each room. Keep helpful records for
important belongings when available and store a copy somewhere you can access even if
something happens to the home.

A home inventory can make it easier to document your belongings if you ever need to file a property claim.

It can also raise a useful question:
Does your homeowners coverage still reflect your home and what’s in it today?

If you’ve renovated, added valuable property, finished a basement, or simply haven’t reviewed
your policy in a while, Finlan can help you walk through it.

(734) 453-6000

09/02/2026

A quiet change is reshaping Michigan homeowners insurance in 2026: roof age.

Several major carriers now treat a roof at 15+ years as a trigger – switching it from full replacement-cost coverage to depreciated "actual cash value," or declining to renew altogether. In practice, that can mean thousands of dollars out of your own pocket after a storm, even with a policy in force.

Michigan's freeze-thaw winters age shingles faster than warmer states, so this hits us harder than most.

What helps: if your roof is nearing 15 years, get a licensed contractor's condition report with photos before your renewal. It's the single strongest tool for pushing back on a depreciation or non-renewal decision.

Not sure where your policy stands? We'll review it with you – no pressure, just a straight answer. (734) 453-6000.