Winter is coming. As the temperatures drop and you place your watercraft into storage for the winter, it’s easy to assume your vessel is safe and your insurance can take a break. Unfortunately, that assumption could cost you. Many boat owners don’t realize that the off-season is one of the most vulnerable times for their watercraft. Not all marine insurance policies offer the protection they think they do.
Running a business in Grand Rapids, Michigan, comes with its share of excitement, as well as exposure. Every entrepreneur faces real-world risks that could upend their operations, of course, from unpredictable weather to employee injuries to cyber threats. But the good news is that many of these risks can be anticipated, managed, and insured against.
Michigan businesses are no strangers to risk. Snowstorms, supply chain issues, and even the occasional power outage can disrupt operations. These are things that we expect. But there’s one threat that’s growing faster than most business owners are prepared for: cyberattacks. From ransomware and phishing scams to data breaches and wire fraud, digital threats are evolving rapidly, and the consequences can be devastating. That’s why cyber insurance for Michigan businesses is no longer just a “good to have.” It’s becoming a critical part of doing business in a digital-first world. This is especially true for small and mid-size companies.
For many people in Michigan, boating isn’t just a hobby–it’s a way of life. With access to the Great Lakes, thousands of inland lakes, and miles of rivers, Michiganders are never far from water. But while the joys of boating are many, the risks are just as real. Whether you own a fishing boat, personal watercraft, or a high-value yacht, navigating those risks starts with having the right insurance and working with someone who truly understands it, a marine insurance expert.
