Michael Forster Insurance Advisor

Michael Forster Insurance Advisor All your personal and business insurance needs taken care of by one of the most experienced staffs i

🍸 Restaurant & Bar Owners — This Could Be a Game Changer! 🍽️Did you know we have a restaurant insurance program that all...
12/01/2025

🍸 Restaurant & Bar Owners — This Could Be a Game Changer! 🍽️

Did you know we have a restaurant insurance program that allows up to 70% of your receipts to come from liquor sales? 🍷🍹

If your bar or restaurant has strong alcohol sales, this could be a huge opportunity to lower your insurance costs while keeping the right protection in place.

✅ Designed specifically for restaurants with higher liquor volume
✅ Flexible coverage options for food, equipment, and liability
✅ Competitive pricing with top-rated carriers

Even if you’ve been told before that your liquor percentage is “too high,” this program may be the perfect fit.

📩 Message me to see if your business qualifies — it could mean better coverage and real savings this year!

🍻 5 Great Breweries to Check Out Near Clarence, NY! 🍺If you love local craft beer, you don’t have to travel far to find ...
11/25/2025

🍻 5 Great Breweries to Check Out Near Clarence, NY! 🍺

If you love local craft beer, you don’t have to travel far to find some amazing spots! Here are a few great breweries and taprooms to explore right around Clarence 👇

(Mike's Favorite)1️⃣ Shalooby Loofer Brewing – Clarence, NY
A local favorite with a cozy vibe and creative small-batch brews. Bonus: they also offer cider and non-alcoholic options!

2️⃣ 42 North Brewing Company – East Aurora, NY
A short drive away, this one’s known for its great taproom atmosphere and impressive lineup of craft beers.

3️⃣ Britesmith Brewing – Williamsville, NY
Awesome food + even better beer. Perfect for date night or meeting up with friends.

4️⃣ Murphy Brown’s Craft Beer Empourium – Clarence, NY
Not a brewery, but one of the best local spots to grab a pint and explore an incredible craft beer selection.

5️⃣ The Hollow Bistro & Brew – Clarence, NY
A local gem pairing great food with a solid craft beer selection — perfect for dinner and drinks.

🍺 Whether you’re a casual sipper or a serious craft beer fan, Clarence and the surrounding area have plenty of great places to raise a glass. Support local and try something new this weekend!

🍳 Restaurant Owners — Is Your Kitchen Equipment Properly Covered? 🔥Your kitchen is the heart of your business — but what...
11/24/2025

🍳 Restaurant Owners — Is Your Kitchen Equipment Properly Covered? 🔥

Your kitchen is the heart of your business — but what happens if key equipment goes down?

⚡ Equipment breakdowns, power surges, or mechanical failures can stop service and cost thousands in repairs and lost income.

💡 Many policies don’t automatically include coverage for:

🧊 Refrigeration or freezer breakdown

🔌 Power surge or electrical failure

🔥 Equipment malfunction or operator error

A quick policy review can help make sure you’re covered for the unexpected — and not left paying out of pocket when the grill, oven, or walk-in fails.

📩 Message me to review your policy — it only takes a few minutes and could save you from a big financial headache later.

🍺 Brewery & Distillery Owners — Let’s Talk Insurance! 🥃Brewing and distilling take passion, precision, and the right pro...
11/18/2025

🍺 Brewery & Distillery Owners — Let’s Talk Insurance! 🥃

Brewing and distilling take passion, precision, and the right protection. 🍻 But not all insurance policies are created equal — and many overlook the unique risks of alcohol production.

Here’s what every brewery or distillery owner should keep an eye on:

⚙️ Equipment Breakdown: Boilers, chillers, and bottling lines are expensive to repair — and downtime costs even more.
💧 Contamination or Spoilage: A single batch gone bad can mean big losses without the right coverage.
🚚 Distribution & Events: Whether you’re self-distributing or hosting tastings, liability coverage matters.
🔥 Property & Production: Fermentation tanks, barrels, and aging rooms need accurate valuations to avoid underinsurance.
🧾 Liquor Liability: Essential for protecting against alcohol-related incidents on or off premises.

Even if you’ve had the same policy for years, a quick review can uncover better pricing and stronger protection designed specifically for breweries and distilleries.

📩 Message me to schedule a short review — let’s make sure your coverage is as solid as your product.

🍔 Restaurant Owners — When’s the Last Time You Reviewed Your Insurance? 🍽️Running a restaurant is tough enough — don’t l...
11/17/2025

🍔 Restaurant Owners — When’s the Last Time You Reviewed Your Insurance? 🍽️

Running a restaurant is tough enough — don’t let your insurance add to the stress! A quick coverage review can help you:

💰 Lower costs by finding better rates
🧾 Fix gaps or outdated coverages
🔥 Make sure equipment, spoilage & business interruption are properly covered

Even long-time policies can leave savings on the table. Let’s make sure your coverage fits your menu — not someone else’s.

📩 Message me to schedule a quick review — it could save you big this year!

🚗💨 Smart Savings Tip for Safe Drivers! 💡If you have a clean driving record and rarely file claims, you might be paying m...
11/12/2025

🚗💨 Smart Savings Tip for Safe Drivers! 💡

If you have a clean driving record and rarely file claims, you might be paying more than you need to for auto insurance. 🙈

By choosing a higher deductible, you can often enjoy lower monthly or annual premiums — keeping more 💵 in your pocket while still staying fully protected on the road.

It’s a great move for drivers who are confident in their safe driving habits! 🛣️

Thinking about making a change? Let’s review your policy together to see what makes the most sense for you. 👋

🚗💡 “Full Coverage” — It’s Not What You Think! 🛑📋Many people ask if they have “full coverage” on their auto insurance — b...
07/14/2025

🚗💡 “Full Coverage” — It’s Not What You Think! 🛑📋

Many people ask if they have “full coverage” on their auto insurance — but the truth is, that term is often misunderstood.

👉 “Full coverage” isn’t a specific policy — it’s a nickname people use to describe having both comprehensive and collision coverage.

But here’s what it doesn’t automatically include:
❌ High liability limits
❌ Rental car coverage
❌ Roadside assistance
❌ Gap coverage for a loan or lease
❌ Uninsured/underinsured motorist protection
❌ OEM parts replacement

So while “full coverage” might protect your car from physical damage, it doesn't necessarily protect you financially in the event of a serious accident or lawsuit.

✅ The right coverage depends on your vehicle, your lifestyle, and your budget. If you're not sure what's really included in your policy, let’s review it together. No pressure — just good advice. 👍

🛡️ Why You Shouldn’t Rely Only on Employer-Provided Life Insurance 💼❤️Many people assume their job-based life insurance ...
07/12/2025

🛡️ Why You Shouldn’t Rely Only on Employer-Provided Life Insurance 💼❤️

Many people assume their job-based life insurance is enough — but here’s why it’s a good idea to secure your own personal life insurance policy:

✅ It’s not portable — If you change jobs, retire, or get laid off, your coverage usually ends.
✅ It’s often limited — Employer plans typically offer 1-2x your salary, which may not be nearly enough to cover your family’s long-term needs.
✅ You control it — With a personal policy, you choose the amount, the beneficiary, and how long the coverage lasts.
✅ Rates are best when you’re younger and healthier — Locking in a policy early can save you a lot over time.

Having your own life insurance gives you peace of mind and financial protection that stays with you — no matter where your career takes you. 🌟

If you’d like help exploring your options, I’m happy to walk you through it! 💬

ChatGPT said:🚧 Contractors — Don’t Skip This Step! 🛑📄If you're hiring subcontractors, make sure you're collecting Certif...
07/12/2025

ChatGPT said:
🚧 Contractors — Don’t Skip This Step! 🛑📄

If you're hiring subcontractors, make sure you're collecting Certificates of Insurance (COIs) from every single one — before they step foot on the job site. 🔍👷‍♂️👷‍♀️

Here’s why it matters:

📌 If you don’t have proof of insurance at audit time, your insurance company will treat those subcontractors like they were your employees.

What does that mean for you?

⚠️ Workers’ Compensation:
You could be charged thousands in extra premium if the sub doesn’t have their own WC coverage.

⚠️ General Liability:
Their payroll could be added to your totals, and you’ll be billed as if you were responsible for their operations and any damages that might have occurred.

💡 Pro Tip:
Ask for a COI before the job starts, verify that coverage is active, and keep it on file. It’s one of the easiest ways to protect your business and avoid surprise audit bills. 📁✅

Have questions about what to request or how to review a certificate? I’m happy to help! 💬

🚗💥 Auto Insurance Repair Estimates – What You Should Know 🛠️📋When you file a claim after an accident, most insurance com...
07/10/2025

🚗💥 Auto Insurance Repair Estimates – What You Should Know 🛠️📋

When you file a claim after an accident, most insurance companies calculate the cost of repairs based on standardized estimating software. This software considers the type of damage, parts, labor rates, and your area to generate an initial repair estimate. 📊🔧

But what if your repair shop says the cost will be higher? 🤔

➡️ That’s very common — and not a problem!
Here’s what typically happens:
🔹 The body shop sends a supplemental estimate to the insurance company
🔹 The insurer reviews it and (if reasonable) approves the additional cost
🔹 Repairs move forward without delay

The key takeaway? ✅
The first estimate isn’t the final word — and a good shop knows how to work with your insurance to make sure the job gets done right.

Have questions about a claim or estimate? Reach out — we're always here to help guide you through the process! 🤝

🚨 Thinking of Filing an Insurance Claim? 🚗🏠💥It’s impossible to predict exactly how a claim will impact your auto or home...
07/09/2025

🚨 Thinking of Filing an Insurance Claim? 🚗🏠💥

It’s impossible to predict exactly how a claim will impact your auto or home insurance premiums. Every company has different rules ⚖️ — and what might be forgiven by one could cause a big increase with another. 📈

That’s why having a relationship with an independent agent 🤝 can make a world of difference.

👉 We can help you weigh the pros & cons of filing a claim
👉 And if it does affect your premiums, we can shop the market for better options 🛍️📄

You don’t have to navigate this alone — we’re here to help you make the smartest move for your situation. 💡

04/16/2025

🎉 Another week of helping awesome clients protect what matters most! 🛡️🏡🚗

This week, we had the privilege of helping:
✅ First-time homeowners get the right coverage for their new place 🏠✨
✅ Families replace and upgrade their home, auto, and umbrella policies for better protection and savings 💵🚘☂️
✅ Landlords secure solid rental property insurance 🏘️🔒
✅ Clients navigate the claims process, from filing to resolution 🤝📞📝

We're here for every milestone and every "just in case." Thank you for trusting us! 🙏

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Williamsville, NY
14031

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Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

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