shield insurance agency

Unveiling the Hidden Secrets: General Liability vs. Professional Liability - Which One Protects You Better?

Unveiling the Hidden Secrets: General Liability vs. Professional Liability – Which One Protects You Better?

Posted on by Shield Insurance Agency

Shield Insurance Blog | General Liability vs Professional Liability | Start A Quote Today!

What is the difference between general liability and professional liability?

When it comes to insurance, there are many different types of coverage available to protect individuals and businesses from various risks and liabilities. Two common types of insurance that often get confused are general liability insurance and professional liability insurance. While they may sound similar, they actually serve different purposes and cover different areas of risk. In this blog post, we will explore the differences between general liability and professional liability insurance, as well as their similarities and benefits.

What is general liability insurance?

General liability insurance is a type of coverage that provides protection for businesses against claims of bodily injury, property damage, and personal injury. It is designed to cover the costs associated with legal defense, settlements, and judgments that may arise from these types of claims. General liability insurance is typically purchased by businesses to protect themselves from accidents or incidents that may occur on their premises or as a result of their operations.

What does general liability insurance pay for?

General liability insurance pays for a variety of expenses related to claims made against a business. This can include medical expenses for injuries sustained by third parties, repairs or replacement of damaged property, legal fees, and settlements or judgments awarded to the injured party. It can also cover advertising injuries, such as defamation or copyright infringement, and certain types of personal injuries, such as false arrest or invasion of privacy.

What is professional liability insurance?

Professional liability insurance, also known as errors and omissions insurance, is a type of coverage that provides protection for professionals against claims of negligence, errors, or omissions in the performance of their professional duties. It is designed to cover the costs associated with legal defense, settlements, and judgments that may arise from these types of claims. Professional liability insurance is typically purchased by individuals or businesses that provide professional services, such as doctors, lawyers, architects, consultants, and contractors.

How are general liability and professional liability insurance similar?

While general liability and professional liability insurance cover different areas of risk, they do share some similarities. Both types of insurance provide protection against claims that may result in financial loss for the insured party. They also both cover the costs associated with legal defense, settlements, and judgments. Additionally, both types of insurance typically have a deductible, which is the amount the insured party must pay out of pocket before the insurance coverage kicks in.

However, there are also some key differences between general liability and professional liability insurance. General liability insurance is broader in scope and covers a wider range of risks, such as accidents, injuries, and property damage. It is typically purchased by businesses to protect themselves from claims that may arise from their operations. On the other hand, professional liability insurance is more specific and covers claims related to professional negligence, errors, or omissions. It is typically purchased by individuals or businesses that provide professional services.

Another difference between the two types of insurance is the cost. General liability insurance is generally more affordable than professional liability insurance, as it covers a broader range of risks and is considered to be less specialized. The cost of professional liability insurance can vary depending on the type of profession, the level of risk involved, and the amount of coverage needed.

In conclusion, general liability insurance and professional liability insurance are two different types of coverage that serve different purposes and cover different areas of risk. General liability insurance provides protection against claims of bodily injury, property damage, and personal injury, while professional liability insurance provides protection against claims of professional negligence, errors, or omissions. While they have some similarities, such as covering legal defense costs and having a deductible, they also have key differences in terms of scope, cost, and the types of risks they cover.

If you are in need of general liability or professional liability insurance, Shield Insurance Agency can help. Shield Insurance Agency represents over 40 insurance companies and can provide you with affordable and comprehensive coverage to protect you and your family. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

More blogs by Shield Insurance Agency

Read More
Random Acts of Kindness Will Make You Believe in Goodness

Random Acts of Kindness Will Make You Believe in Goodness

Posted on by Shield Insurance Agency

Shield Insurance Blog | Random Acts of Kindness | Start a Quote Today!

Random Acts of Kindness

Random Acts of Kindness is a powerful force that has the ability to transform lives and create a positive impact in any setting. Whether it is in the workplace, at home, or in school, acts of kindness can set the tone for a supportive and nurturing environment. In this blog post, we will explore the importance of kindness in various aspects of life and how it can contribute to personal and collective growth.

Kindness in the Workplace

The workplace is often a fast-paced and competitive environment, where stress and pressure can take a toll on employees. However, incorporating kindness into the workplace can make a significant difference in the overall well-being and productivity of individuals. Setting a tone of kindness starts with modeling behavior. Leaders and managers should lead by example and demonstrate kindness in their interactions with employees. This can include simple acts such as expressing gratitude, offering support, and showing empathy towards colleagues. By creating a safe and supportive environment, employees feel valued and motivated to perform their best.

Kindness at Home

Home is where the heart is, and it is also where kindness should thrive. In our busy lives, it is easy to overlook the importance of kindness within our own families. However, small acts of kindness can go a long way in strengthening relationships and creating a harmonious atmosphere. Whether it is helping with household chores, listening attentively to a family member’s concerns, or simply expressing love and appreciation, kindness at home fosters trust, boundaries, and a sense of belonging. It is important to remember that kindness starts from within, and by practicing kindness at home, we can extend it to other areas of our lives.

Kindness at School

School is where children spend a significant amount of their time, and it plays a crucial role in their development. Incorporating kindness into the school environment can have a profound impact on student’s well-being and academic success. Teachers and administrators can create a safe and supportive environment by encouraging kindness and modeling positive behavior. By celebrating students’ strengths and encouraging a growth mindset, educators can instill confidence and resilience in their students. Additionally, promoting communication and collaboration among students fosters a sense of belonging and encourages empathy and understanding.

Celebrating Random Acts of Kindness

Random acts of kindness should be celebrated and acknowledged. They have the power to inspire others and create a ripple effect of kindness in the world. At Shield Insurance Agency, kindness is at the core of our values. As an agency that represents over 40 insurance companies, we understand the importance of trust, boundaries, and belonging. We believe in creating a safe and supportive environment for our clients, where their needs are met with empathy and understanding. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, kindness is a powerful force that can transform lives and create a positive impact in any setting. Whether it is in the workplace, at home, or in school, acts of kindness set the tone for a supportive and nurturing environment. By modeling behavior, creating a safe and supportive environment, and celebrating strengths and a growth mindset, we can foster trust, boundaries, and a sense of belonging. Let us embrace kindness and make a difference in the world, one random act at a time.

More blogs by Shield Insurance Agency

Read More
Small Business Income Insurance: Protecting Your Business and Your Income

Secure Your Business with Small Business Income Insurance

Posted on by Shield Insurance Agency

Shield Insurance Blog | Business Income Insurance | Contact TJ Simmons, Shield Business Insurance Specialist

Business Income Insurance.

Running a small business comes with its own set of challenges and risks. One of the most important aspects of managing a business is ensuring that you have the right insurance coverage in place to protect your assets and income. One type of coverage crucial for small businesses is Business Income or Extra Expense coverage. In this blog post, we will explore what this coverage entails and how it can provide important protection for your business.

What is Business Income Insurance or Extra Expense coverage?

Business Income coverage, also known as Business Interruption coverage, is designed to protect your business income in the event of a covered loss that causes a suspension of your operations. This coverage can help replace lost income and cover ongoing expenses such as rent, utilities, and payroll while your business is unable to operate.

Extra Expense coverage, on the other hand, covers additional expenses that you may incur to minimize the impact of a covered loss on your business. This can include expenses such as renting temporary office space, purchasing new equipment, or hiring additional staff to expedite the recovery process.

Is Business Income Insurance coverage subject to a deductible?

Yes, Business Income coverage is typically subject to a deductible. The deductible is the amount that you, as the insured, are responsible for paying before the insurance coverage kicks in. Reviewing your policy to understand the specific deductible amount and any other terms and conditions that may apply is important.

Here is an example of how these coverages may provide a business with important protection:

Imagine you own a small retail store that is hit by a tornado, causing significant damage to your building. As a result, you are forced to suspend operations while repairs are being made. During this time, you are unable to generate any income and still have ongoing expenses such as rent and utilities.

In this scenario, your Business Income coverage would kick in to replace the income you would have earned during the suspension period. It would also cover your ongoing expenses, ensuring that your business can continue to meet its financial obligations.

What if my building sustains significant tornado damage and, as a result, I have to suspend operations? When would my Business Income coverage begin? When would it end?

Your Business Income coverage would typically begin on the date of the covered loss, in this case, the date the tornado caused damage to your building. It would continue until the date when your business can resume normal operations or until the coverage limit is exhausted, whichever comes first.

How will the amount of my Business Income loss be determined?

The amount of your Business Income loss will be determined based on your financial records and the financial performance of your business before the covered loss. This can include factors such as your net income, operating expenses, and any other relevant financial information.

What information will I need to provide to support my Business Income Insurance claim?

To support your Business Income claim, you will typically need to provide documentation such as financial statements, tax returns, and other records that demonstrate your business’s income and expenses. It is important to keep accurate and up-to-date financial records to ensure a smooth claims process.

Do I have coverage for paying my employees while my business is not operating?

Yes, Business Income coverage can include coverage for paying your employees while your business is not operating. This can help ensure that your employees are taken care of during a temporary suspension of operations.

What happens if, once I resume operations, I continue to experience a loss of business income?

If you continue to experience a loss of business income even after resuming operations, you may be eligible for Extended Business Income coverage. This coverage can provide additional protection for an extended period, allowing your business to recover from the loss and regain its financial stability.

How will I know if my policy provides Extra Expenses or Extended business insurance income coverage?

You should review your policy documents or contact your insurance agent to determine if your policy provides Extra Expense or Extended Business Income coverage. They will be able to provide you with the details of your coverage and help you understand any additional endorsements or options that may be available to you.

In conclusion, Business Income or Extra Expense coverage is an essential component of insurance protection for small businesses. It provides financial support during a temporary suspension of operations and helps cover ongoing expenses. By understanding the details of your coverage and working with a knowledgeable insurance agent, you can ensure that your business is adequately protected.

Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote to help you find the right coverage for your small business. Call or text Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your business, protect your income, and protect your family’s future.

More interesting articles featured by Shield Insurance Agency

Read More
Hairless Animals Are Barely Recognizable - Shield Insurance Blog

Hairless Animals That Are Barely Recognizable

Posted on by Shield Insurance Agency

BoredPanda.com | Hairless Animals | Pet Insurance | Start a Quote Today!

Humans are not the only ones who suffer from hair loss. Whether caused by disease or old age, this condition can affect our animal friends, too.

Hair loss from the head or body is technically called alopecia. It can have many different causes, such as natural processes (seasonality or aging), biological dysfunctions (vitamin or mineral imbalance), genetic mutations, diseases or parasitic infestations. Some dogs, cats, rats and guinea pigs were even bred to be hairless by humans.

Luckily, the weird animals from our list below don’t seem to mind their hair, fur or feather loss. What do you think – are these hairless animals still just as cute as with their furs and feathers?

Hairless Rabbit

These 15 Animals Without Hair Are Barely Recognizable
These 15 Animals Without Hair Are Barely Recognizable

This cute bunny was born in 2009 and he instantly became an Internet sensation for being bald. Fortunately, after three months he grew his first coat and turned out to be as normal as his fluffy siblings. (Source: teddytassen.se)

Hairless Animals: Bear

These 15 Animals Without Hair Are Barely Recognizable
These 15 Animals Without Hair Are Barely Recognizable

Dolores the bear is among other female bears that were affected by sudden hair loss at a zoo in Leipzig, Germany. Some experts believe this was caused by a genetic defect, though the animals do not seem to be suffering from any other afflictions. (Source: Daily Mail)

Hairless Hedgehog

These 15 Animals Without Hair Are Barely Recognizable
These 15 Animals Without Hair Are Barely Recognizable

Meet Betty, the cute bald hedgehog-ette from Foxy Lodge rescue center, UK. She is a healthy and absolutely fine critter apart from being bald, the cause of which is unknown. (Source: greatyarmouthmercury.co.uk)

Click here for More hairless animals…

More blogs by Shield Insurance Agency

Read More
To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with.

Know Your Insurance Terms for Peace of Mind

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Insurance Terms | Start a Quote Today!

Insurance is an essential aspect of our lives, providing us with the necessary protection and peace of mind. However, navigating the world of insurance can be overwhelming, especially with the numerous terms and jargon often used. To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with. Whether you are a seasoned policyholder or a newcomer to the world of insurance, this list will serve as a valuable resource.

Insurance Terms

1. Premium: The amount of money you pay to the insurance company in exchange for coverage. Premiums can be paid monthly, quarterly, or annually, depending on the policy.

2. Deductible: The amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $1,000, you will pay the first $500, and the insurance company will cover the remaining $500.

3. Policy: A contract between you and the insurance company that outlines the terms and conditions of your coverage. It specifies what is covered, the limits of coverage, and any exclusions or conditions.

4. Coverage: The protection provided by an insurance policy. It can include various types, such as auto, home, health, life, and more.

5. Liability: The legal responsibility for any damages or injuries caused to others. Liability coverage is designed to protect you in case you are held responsible for an accident or injury.

6. Claim: A formal request made by the policyholder to the insurance company for compensation or reimbursement for a covered loss or damage.

7. Underwriting: The process of evaluating an applicant’s risk and determining the terms and conditions of their insurance policy. It involves assessing factors such as age, health, driving record, and more.

8. Exclusion: Specific situations or conditions that are not covered by an insurance policy. It is important to review your policy carefully to understand what is excluded from coverage.

9. Rider: An additional provision or amendment to an insurance policy that modifies or expands the coverage. Riders are often used to add specific coverage options or increase policy limits.

10. Agent: A licensed professional who represents an insurance company and helps individuals or businesses find the right insurance coverage. They can provide guidance, answer questions, and assist with the claims process.

11. Insured: The person or entity covered by an insurance policy. This can be an individual, a family, or a business.

12. Loss: The reduction in value or damage to property or assets covered by an insurance policy. It can be due to theft, accident, natural disaster, or other covered events.

13. No-claims bonus: A discount or reward given by insurance companies to policyholders who do not file any claims during a specific period. It encourages safe driving and responsible behavior.

14. Comprehensive coverage: An insurance policy that provides protection against a wide range of risks and perils, including theft, vandalism, fire, and natural disasters.

15. Grace period: The additional time given to policyholders to pay their premium after the due date without incurring a penalty or losing coverage.

16. Subrogation: The process by which an insurance company seeks reimbursement from a third party who is responsible for the loss or damage covered by the policy. It allows the insurance company to recover the amount paid to the policyholder.

17. Actuary: A professional who uses statistical data and mathematical models to assess risk and determine insurance premiums. They play a crucial role in pricing policies and ensuring the financial stability of insurance companies.

18. Umbrella policy: An additional liability insurance policy that provides coverage beyond the limits of your primary policies. It offers an extra layer of protection against high-cost claims or lawsuits.

19. Depreciation: The decrease in the value of an asset over time due to wear and tear or obsolescence. Insurance policies often take depreciation into account when determining the amount of compensation for a covered loss.

20. Endorsement: A written amendment or addition to an insurance policy that changes the terms or coverage. It can be used to add or remove coverage options, increase or decrease policy limits, or modify other policy provisions.

Understanding these insurance terms will empower you to make informed decisions when it comes to protecting yourself, your family, and your assets. Remember, insurance is not just a financial product; it is a shield that safeguards your future. If you have any questions or need assistance in finding the right insurance coverage, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. You can also start the quoting process by visiting this LINK, and an agent will be in touch soon. Stay protected and enjoy peace of mind with comprehensive insurance coverage.

More Blogs by Shield Insurance Agency

Read More
Neighbors Call Cops On Kid Trying To Mow And Save For PS5. Guess what happens next?

PS5 Drives Kids to Raise Funds

Posted on by Shield Insurance Agency

Neighbors Call Cops On Kid Trying To Mow And Save For PS5. The Cops Pitch In And Buy The Kid A PS5

SunnySkyz.com | PS5 | Shield Insurance Blog | Start A Quote Today! | August 1, 2023

A heartwarming incident unfolded in Hapeville, Georgia, when a young boy, determined to earn money to buy a PlayStation 5 (PS5), faced an unexpected hurdle as neighbors called the police on him.

cops buy kid ps5
City of Hapeville Police

The ambitious boy had set his sights on owning a PS5 and decided to raise money for the console by offering lawn-mowing services to neighbors in his community.

However, neighbors wanted the juvenile removed from the area and called the police.

“Officer Colleran made contact with a young man that explained he was in the area because he wanted to do yard work: pulling weeds, cutting grass, and trimming hedges to save up for a PlayStation. The young man was polite, respectful, and truthful,” the Hapeville police department explained.

cops buy kid ps5
City of Hapeville Police

Officer Colleran, a gamer himself, was so impressed with the young man that he decided to help him reach his goal.

Officer Colleran and some of his friends came together to get the video game system and even a gift card to pay for the membership so the boy could play immediately.

A PS5 costs $500 and a membership is $10 a month.

“Officer Colleran made sure that this young man knew they would play on the same team online soon!” the department said.

The Playstation has come a long way!

PS5 or PlayStation 5

The PlayStation 5 (PS5) is a home video game console developed by Sony Interactive Entertainment. It was announced as the successor to the PlayStation 4 in April 2019, was launched on November 12, 2020, in Australia, Japan, New Zealand, North America, and South Korea, and was released worldwide one week later. The PS5 is part of the ninth generation of video game consoles, along with Microsoft‘s Xbox Series X/S consoles, which were released in the same month.

The base model includes an optical disc drive compatible with Ultra HD Blu-ray discs. The Digital Edition lacks this drive, as a lower-cost model for buying games only through download. The two variants were launched simultaneously.

The PlayStation 5’s main hardware features include a solid-state drive customized for high-speed data streaming to enable significant improvements in storage performance, an AMD GPU capable of 4K resolution display at up to 120 frames per second, hardware-accelerated ray tracing for realistic lighting and reflections, and the Tempest Engine for hardware-accelerated 3D audio effects. Other features include the DualSense controller with haptic feedback, backward compatibility with the majority of PlayStation 4 and PlayStation VR games, and the PlayStation VR2 headset.

History of PS5

More Blogs by Shield Insurance Agency

Read More
Insurance 101 for Beginners

Insurance 101 for Beginners

Posted on by Shield Insurance Agency

Shield Insurance Blog | Insurance | Start a Quote Today!

What do I need to Know About Insurance?

Insurance is a crucial aspect of our lives that provides financial protection and peace of mind. Whether it’s car insurance, homeowners insurance, or any other type of insurance, understanding the basics is essential. In this blog post, we will explore the fundamental concepts of insurance, different types of insurance, and why it is important to have the right coverage.

Insurance is a contract between an individual or business and an insurance company. The individual or business pays a premium, and in return, the insurance company agrees to provide financial protection in the event of a covered loss. The purpose of insurance is to transfer the risk of potential financial loss from the insured to the insurance company.

Basic Terms and Definitions

To understand insurance better, it is essential to familiarize yourself with some basic terms and definitions. Here are a few key terms:

  • Premium: The amount of money paid to the insurance company for coverage.
  • Deductible: The amount the insured must pay out of pocket before the insurance company starts covering the loss.
  • Policy: The contract that outlines the terms and conditions of the insurance coverage.
  • Coverage: The specific protection provided by the insurance policy.
  • Claim: A request made by the insured to the insurance company for compensation for a covered loss.

Car Insurance for Beginners

Car insurance is one of the most common types of insurance that people need. It provides financial protection in case of accidents, theft, or damage to your vehicle. Here are a few things to consider when getting car insurance:

  • Liability Coverage: This coverage pays for damages and injuries you cause to others in an accident.
  • Collision Coverage: This coverage pays for damages to your vehicle in case of a collision.
  • Comprehensive Coverage: This coverage pays for damages to your vehicle caused by events other than collisions, such as theft or natural disasters.

Renters and Homeowners Coverage for Beginners

If you rent or own a home, it is crucial to have renters or homeowners insurance to protect your belongings and property. Here are a few key points to consider:

  • Renters Insurance: This type of insurance provides coverage for your personal belongings in case of theft, fire, or other covered events. It also provides liability coverage in case someone gets injured in your rented property.
  • Homeowners Insurance: This insurance covers your home and belongings against damage or loss caused by covered events. It also provides liability coverage and additional living expenses if your home becomes uninhabitable.

What other types of Insurance are there?

Apart from car insurance and homeowners/renters insurance, there are several other types of insurance that you may need depending on your circumstances. Some common types include:

  • Health Insurance: This insurance provides coverage for medical expenses and can help protect you from high healthcare costs.
  • Life Insurance: Life insurance provides financial protection to your loved ones in case of your death. It can help cover funeral expenses, pay off debts, and provide income replacement.
  • Disability Insurance: This insurance provides income replacement if you become disabled and are unable to work.
  • Umbrella Insurance: Umbrella insurance provides additional liability coverage beyond the limits of your other insurance policies. It can protect you from large lawsuits and claims.

Protection, Family, and Shield Agency

Insurance is all about protection, especially when it comes to your family and assets. Shield Insurance Agency understands the importance of having the right coverage and represents over 40 insurance companies to provide you with the best options. Whether you need car insurance, homeowners insurance, or any other type of insurance, Shield Insurance Agency can help.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Don’t wait until it’s too late – protect yourself and your loved ones with the right insurance coverage.

Check out more blogs articles by Shiels Insurance

Read More
Hired and Non-Owned Auto Liability Insurance and Its Benefits Explained

Hired and Non-Owned Auto Liability Insurance and Its Benefits Explained

Posted on by Shield Insurance Agency

Shield Insurance Blog | Hired and Non-Owned Auto Liability Insurance | Business Insurance | Quoting Portal

What is hired and non-owned auto liability insurance?

Hired and non-owned auto liability insurance is a type of coverage that provides protection for businesses in the event of accidents or damages involving vehicles that are not owned by the company. This insurance is essential for businesses that rely on the use of vehicles, whether they are rented, leased, or owned by employees.

Hired auto coverage refers to insurance that protects a business when they rent or lease a vehicle for business purposes. This coverage typically includes liability insurance, which covers bodily injury and property damage that may occur as a result of an accident involving the rented or leased vehicle. It may also include coverage for physical damage to the rented or leased vehicle itself.

Non-owned auto liability coverage, on the other hand, provides protection for businesses when employees use their personal vehicles for business purposes. This coverage is important because personal auto insurance policies typically exclude coverage for accidents that occur while using a vehicle for business purposes. Non-owned auto liability insurance fills this gap and ensures that the business is protected in the event of an accident involving an employee’s personal vehicle.

It’s important to note that hired and non-owned auto liability insurance is not the same as commercial auto insurance. Commercial auto insurance is specifically designed for businesses that own vehicles and covers a wide range of risks associated with those vehicles, including liability, physical damage, and other types of coverage. Hired and non-owned auto liability insurance is meant to supplement commercial auto insurance or provide coverage in situations where a business does not own any vehicles.

So, why is hired and non-owned auto liability insurance important for businesses? Here are a few key reasons:

1. Protection against liability: Accidents happen, and if a business is found liable for bodily injury or property damage resulting from an accident involving a rented, leased, or employee-owned vehicle, the costs can be significant. Hired and non-owned auto liability insurance provides coverage for these potential liabilities, protecting the business from financial loss.

2. Peace of mind: Knowing that your business is protected in the event of an accident involving a hired or non-owned vehicle can provide peace of mind. It allows you to focus on running your business without worrying about the potential financial consequences of an accident.

3. Compliance with contracts and agreements: Many contracts and agreements require businesses to carry certain types and amounts of insurance, including hired and non-owned auto liability insurance. By having this coverage in place, businesses can ensure that they are in compliance with these requirements and avoid potential legal issues.

4. Coverage for employees’ personal vehicles: If your business relies on employees using their personal vehicles for business purposes, it’s important to have non-owned auto liability coverage. This coverage protects both the business and the employee in the event of an accident, ensuring that medical expenses and property damage are covered.

In conclusion, hired and non-owned auto liability insurance is a crucial type of coverage for businesses that use vehicles but do not own them. It provides protection against liability, offers peace of mind, ensures compliance with contracts, and covers employees’ personal vehicles. If your business falls into this category, it’s important to consider obtaining this insurance to protect your business and its assets.

Shield Insurance Agency represents over 40 insurance companies and can help you find the right hired and non-owned auto liability insurance policy for your business. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

More Blogs by SHield Insurance Agency

Read More
Meet the young graduate who lives in a nursing home

Nursing Home and the graduate who lives there

Posted on by Shield Insurance Agency

Positive News.com | by Oliver Balch | July 24, 2023 | Nursing Home | More Blog Articles

Meet the young graduate who lives in a nursing home

There aren’t many twentysomethings who would opt to live in an old people’s home, but for broke student Teun Toebes, it’s an experience that has changed his life – and the lives of his housemates

Cake, candles, banter, games, laughter, fresh air. Teun Toebes remembers his recent birthday as a total blast. He and his pals – Christi, Janny, Jopie, Ad. All of them just hang out, shooting the breeze, savoring the moment, and enjoying life.

It doesn’t bother him that they are all at least three times his age. Nor that they might have forgotten the event by now. They are his housemates. The people who this 24-year-old care ethics graduate has chosen to live with – first as a broke student researcher looking for a cheap room, now as a friend, ally, and campaigner.

Ad is his best friend in the care facility in the small Dutch town of Amstelveen that Toebes has called home for the last couple of years. As with all the venue’s elderly residents, Ad lives with dementia.

A former electrician and father of two, 78-year-old Ad is one of 55 million people worldwide with the condition. On average, most will live eight to 10 years after their initial diagnosis – the latter part of which many in the industrialized north will spend living in institutional care.

Toebes’ first exposure to the condition came as a 17-year-old intern in a local nursing home. Three years later, his great-aunt Greet was diagnosed with Alzheimer’s and came to live there. The serendipity allowed him to care for her directly, an experience that left him with a strange sense of privilege.

Despite Greet’s confusion, she read his moods and called him “my boy”; he, in turn, washed her, laughed with her, and, ultimately, coordinated her palliative care at the end. From that moment on, Toebes became convinced that it’s not only possible to connect with people with dementia but also to enjoy a lasting and reciprocal relationship.

Regrettably, that isn’t how institutional care in Europe and the UK works. Individuals like Greet stop being someone’s sister, someone’s neighbor, or someone’s lover; instead, they become someone primarily defined by their condition.

“Dehumanising” is the word Toebes comes back to most often to describe the situation. As he puts it: “I live together with the most beautiful 130 housemates, but they are all sorted together according to their dementia, the system sees them as the same.”

The most startling result of this logic is the restrictions. In Toebes’ facility, the doors are kept locked. Even access to the garden is restricted. So, for his birthday party, he had to request the key from the care home’s authorities. The latter cites understandable safety concerns, yet the parallels with the penitentiary system are as unavoidable as they are unfortunate. Hairdressers, doctors, dentists – all are brought into the facility, extreme risk-aversion means there are few opportunities for the residents to go out.

I live together with the most beautiful 130 housemates

Inside, protocols reign. If the temperature tops 30C, everyone must eat ice cream. The risk of salmonella means no soft-boiled eggs. ‘Care’ trumps ‘home’ every time, adds Toebes. Just consider the décor: a 200-meter-long corridor, easy-to-wipe tile flooring, strip lights everywhere, and walls with safety notices as decoration.

The effect of such a “surrealistic nobody’s land” on people’s identities is profound, he believes. Even the toilet habits of residents are monitored. ‘Firm’, ‘watery’, ‘discolored’: down it all goes, recorded in his housemates’ medical dossiers.

“If you’re reading in your mother’s records what kind of sh*t she has every day, then you will start seeing her more and more as a patient.

He doesn’t hold individual carers to blame. In a way, they too are subjects of a system that, as Toebes puts it, places “control and safety” above “happiness and being together”. To combat this, Toebes introduced Friday drinks, camping evenings, and trips to visit grown-up children for the residents, small things that have transformed the torpid atmosphere of the care home.

To kick off a conversation about what an alternative, people-centered dementia care might look like, Toebes has penned a book – The Housemates, out in English in August – already a No.1 bestseller in the Netherlands.

He recently set off on a tour of 11 countries on four continents to see how other nations approach dementia care, making a documentary that will be screened at a G20 summit on the disease later this year.

If we keep seeing the human being, he or she never really disappears

Each country adopts a slightly different strategy, he discovered. In South Korea, for instance, the emphasis weighs heavily on prevention through healthy lifestyle habits. In South Africa, the focus is on care within the family. In Moldova, residential care is not segregated by disease, meaning dementia-only facilities don’t exist.

His main takeaway lessons? Firstly, money alone won’t solve the problem. The UK spends £14.2bn a year caring for people living with dementia. That comes out of people’s taxes. Yet, it’s money for a system that no taxpayer in their right mind “would ever want to live in”.

An even more important lesson: everyone needs freedom and friendship, whatever their condition. Even if their mind is lost to dementia? Even then, he insists: “If we keep seeing the human being, he or she never really disappears.”

Positive News.com

Visit more Shield Insurance Agency Blogs

Read More
Choose a health insurance plan that meets your specific needs

Peace of Mind: Understanding the Importance of Health Insurance for Your Well-Being

Posted on by Shield Insurance Agency

Shield Insurance Blog | Health Insurance | Start a quote today! Contact Brianna or Carlos for help

Health insurance is an important aspect of life in Michigan. Understanding the different types of health insurance, key terms, availability, and cost is vital to finding the right policy for you. Shield Insurance Agency understands the importance of finding the best health insurance plan for you and they have the expertise to help determine the best coverage to fit your needs. Read on to learn more about health insurance in Michigan, including HMOs, PPOs, HRAs, HSAs, and more.

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two common types of health insurance. HMOs are health insurance plans that provide access to a network of healthcare providers and usually require referrals in order to see a specialist. PPOs also provide access to a network of healthcare providers, but they allow you to choose your own doctors and do not require referrals. Both have different structures that affect how much you pay for services and how much deductible and copayments you pay.

HRAs and HSAs

Health Reimbursement Arrangements (HRAs) are employer-provided plans that allow employees to set aside pre-tax dollars to use for eligible medical expenses. Health Savings Accounts (HSAs) are also employer-provided plans that allow employees to save pre-tax dollars to use for eligible medical expenses. They are similar to 401k accounts, in that investments are allowed and the money rolls over from year to year. Both of these accounts can be used to help pay for out-of-pocket medical expenses, such as copays and deductibles.

Key health insurance terms

When thinking about health insurance in Michigan, there are several key terms to keep in mind. Copayments (or copays) are fixed amounts that customers pay for services, such as doctor visits or prescriptions. Deductibles are the amount of money the customer pays out of pocket before the insurance company pays for services. Coinsurance is the percentage of costs the customer pays once the deductible is met.

How much does health insurance cost


The cost of health insurance is different for everyone depending on factors such as age, family size, location, and type of plan. Generally speaking, HMOs tend to be less expensive than PPOs, and the higher the deductible, the lower the monthly premium. Health insurance premiums also depend on whether or not you receive subsidies or tax credits. In Michigan, the average monthly premium for family coverage with an employer-sponsored plan is about $735.

What are the different health insurance metal levels are

Health insurance plans also differ from one another depending on their level of coverage. Platinum plans typically have the highest premiums but also the most coverage, while bronze plans have the lowest premiums with the least coverage. Silver and gold plans are in the middle, offering somewhere between the two extremes of platinum and bronze plans.

When you can buy health insurance

The Annual Open Enrollment Period (OEP) is the time when everyone can buy a health insurance plan or make changes to their existing plan. In Michigan, the OEP runs from November 1st through December 15th each year. If you miss the OEP, you can still buy coverage outside of open enrollment if you experience certain life events, such as marriage, the birth of a child, or a move to a different state.

Where you can buy health insurance

You can buy health insurance from Shield Insurance Agency which represents over 40 insurance companies and specializes in helping individuals and businesses find the right plan for them. They can help determine the best level of coverage and answer any questions you have about health insurance in Michigan. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Health insurance in Michigan is an important aspect of life and it is essential to understand the types of health insurance, key terms, availability, and costs when shopping for a plan. Shield Insurance Agency has the expertise to help guide you through the process of finding the right policy for your needs and they can provide a free quote. For more information about health insurance in Michigan, contact Shield Insurance Agency at (616) 896-4600 today or visit this LINK to start the quoting process.

More blogs by Shield Insurance Agency

Read More