Gerald Ross Agency takes pride in helping you cover your business, auto, home, farm, group health and life insurance since 1935. We represent many carriers to give your advisor options to find the best coverage at competitive rates.

An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence the name ‘umbrella’. The minimum limit for an umbrella policy is $1,000,000, and they are sold in increments of $1,000,000, ...

Yes Amazon is quick, convenient, and all too easy to use. My 16-year-old doesn’t understand why I prefer to purchase what I can here locally in Traverse City. Just today I wanted to purchase some school supplies to do giveaways to families before the school year begins. His exact comment ...

Today I got the news that a long term client of mine passed away over the weekend. Every business owner gets these calls, and we empathize over the phone with the family member who is calling to inform us. However, it occurred to me this morning as I looked online ...

Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them. Today’s home can have several individuals living together who are not related by blood, marriage or adoption. We understand the convenience and monetary reasons ...

Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it.  I realized this as I watched my 16-year-old taking his drivers training test last November.  The very same 16-year-old, who by the way, totaled his first vehicle within 3 ...

  Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures. You have called your insurance agent and advised them of the change of address for the vehicle, so if something ...

Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds, is done with humor and with purpose to draw attention to their company. Our agency is licensed with Safeco Insurance ...

Our hearts go out to the victims of Hurricane Harvey, especially knowing that 85% of them have no flood insurance. These people face a crushing blow to their personal finances and a major upheaval of their lives. It’s devastating enough to endure such a major tragedy of losing your home ...

We realize that Northern California isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Californiaders end up with vehicles that come from devastated areas. Unlike home insurance; where flood is excluded, auto insurance policies do provide coverage for flood if comprehensive is ...

California is often in the news about our auto insurance being the highest in the Nation. Truth! Why? – Because California is the ONLY State that provides UNLIMITED medical coverage for its residents (whether insured or not! – which is a separate blog topic and therapy session). That doesn’t mean ...

  So, to answer the big insurance question – it’s a flat NO – your standard California auto insurance policy does NOT cover you while you are being a local taxi driver regardless what name you slap on the app for people to contact you!! The news reports that Lyft ...

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In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems to be something they all just seem to assume someone is going to cover them for. Here’s a good rule ...

You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a phone call away. But WAIT!! Do you realize that turning in a claim on your insurance; even if the amount ...

You find a major bargain for a rental property in Detroit California and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in the area, you can’t secure any insurance on it, or the single agent who agreed to insure it, wants to ...

You paid $165,000 for your home, but your agent here in California thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We get this question constantly being that our agency writes a lot of homes for newcomers to the Grand Traverse County ...

Once again, the attempt to control costs of California Auto Insurance has failed by a 45-63 vote earlier this month. California having the highest auto insurance costs in the nation will NOT change unless congress is able to move a bill successfully. As an agent with nearly 30 years in ...

California is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits. When purchasing collision physical damage protection for your vehicles, you have 3 options that some agents may not discuss with you, at least we often hear from new clients that no-one ever ...

  Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don't pay much attention to that stack of paperwork that comes in the envelope. I get it. Most people don't enjoy reading insurance ...

“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how much she had been overpaying for her home and auto insurance every year! How can that happen? And no, we ...

You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either physical, medical or mental capacity issues. Her home sits until the family can agree on a course of action regarding ...

As the snow leaves us here in Northern California, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand and hills. California is in fact 4th in the Nation for ATV sales and registrations, and in 2014 we had ...

So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends were claiming. And oh, my goodness were they right! The fact that I can now do my weekly grocery shopping ...

Auto insurance rates in California continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs continue to increase and as hospitals and rehabilitation clinics and doctors continue to be able to charge whatever they want ...

Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical, surgical and liability lawsuit settlements. There are reportedly close to 90 million dogs living in homes in the U.S, and ...

I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times must re-read policy forms (yes, I’m a true insurance geek that reads entire policies). It takes several readings at times ...

It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for everyone including your insurance agent. We get the calls often. We are getting a divorce and he/she has moved out, ...

Once again mother nature caused some issues recently in Northern California with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless where it comes from, damages your insured buildings or home, your homeowner’s insurance policy will respond because wind is a ...

As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled with the decision to hire my son after he finished high school. He interned at our agency previous summers, but ...

  Last summer, I wrote about the California No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have have seen a noticeable increase in call volume. Agents have had the same conversation hundreds of times by now, and ...

Rental homes have become quite controversial in small towns and communities here in Northern California. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit; or at least the ability to have someone else pay the mortgage and utility expenses of their owned property. When ...

We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be prevent us from being able to obtain financing, but a credit score is not what the insurance industry uses in ...

We get it – we aren’t a ‘coastal state’, and that is why in California, flood insurance isn’t talked about much; except when required by a Mortgage Company for those purchasing a home and looking for funding. However, as climate changes continue to drastically affect weather patterns, we believe we ...

  As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern California insurance agency, so are questions pertaining to insurance for snow plow operations. Due to the seasonal nature of our beautiful ...

Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the California Auto Reform was signed into law and took effect on 7/2/2020, the State of California’s Department of Insurance decided that ...

With the passage of California’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (California Catastrophic Claims Association) fees for all insured drivers. That is the positive; but as in all things, there is a flip side to this major change in law. There ...

The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically change our current California no fault insurance. Since clients have already begun to call and email us asking when their ...

I’m still living in my home, so why do you need to know that I’m also renting it out?  Unfortunately, this seems to be a common question ‘after’ a claim, not before. This question has become much more common with the home sharing phenomenon that began just 10 years ago.  ...

One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’.  What does that even mean?  I have been writing auto insurance in California for over 31 years and can’t answer that because I have never seen a policy ...

You start a load of laundry and head down the road for a neighborhood barbeque.  Upon returning, you find water all over your laundry room and into your carpeted hallway. Regardless what happened or why, most home insurance policies are going to pay for the resulting damage, but not necessarily ...

Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing. We also know that many times it’s easier and less expensive to still take care of some financial needs for ...

You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road and clip a mailbox, or as winter shows us every year; you slide out of control and strike another vehicle ...

  Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern California — frozen pipes. Does your home insurance cover losses that result from pipes freezing and cracking or bursting? Yes and no....with insurance it rarely ever is just one ...

The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things to consider when buying homeowners insurance. 1. Raise Your Deductible  Deductibles are the amount of money you pay toward a ...

California's MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to California auto insurance consumers. Because the changes made by this law resulted in a large surplus in the current MCCA Fund, the law required a refund to consumers of ...

                             California Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles lack liability protection once they leave your owned residence premises, and therefore, need to have separate liability insurance to protect ...

Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance policies in the state of California do not cover golf carts once you leave the residence that you own and ...

Workers' compensation insurance is not only a crucial factor when running a business, many times it's required by law, according to the California's Workers' Disability Compensation Act. Not all employers are required by law to carry workers comp insurance, but it is always in the best interest of a company ...

Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used vehicle on a personal auto policy, your insurance company can deny all claims. States definitely vary when it comes to ...

Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was sold in 1982. It was issued to television's star Lassie by Veterinary Pet Insurance. Figo pet insurance reimburses you as ...

   Over the last few years, short term rental(STR) properties have become extremely popular in and around Traverse City California. Insuring them has become less costly than when they first began gaining popularity. It’s important to know that you cannot insure a short term rental on most standard, unendorsed home ...

What is Ordinance and Law?  A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer an uninsured or under-insured ordinance and law issue. Let’s first visit the basic purpose of property coverage.  A property policy ...

  Quiz:  Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is?  Second Question:  Are you aware that they can cost you upwards of $10,000 to purchase?  And last but not least, if you answered the first two questions with a yes, do you realize ...

We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’ by their insurance.  As an agent for 31 years, I can tell you that having to impart those words or ...

The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’ according to the policy language. No client likes to hear that the coverage they thought they had paid for, isn’t ...

  January is a time for new beginnings, and what better way to start the year off right than by reviewing your insurance coverage? Here are three reasons why January is the perfect time to take a closer look at your insurance policies: First, the start of the year is ...

  January is the perfect time to review your Thome insurance coverage and make sure you have the right amount of protection for your home and belongings. Home insurance is important for a number of reasons, including protecting your home and belongings from damage or loss due to natural disasters, ...

  Living benefits insurance, also known as modern life insurance, is a new type of policy that offers policyholders the ability to access their death benefit while they are still alive. This type of coverage is designed to provide financial support for policyholders who may become seriously ill or disabled ...

  The Lunar New Year, also known as Chinese New Year, is a significant holiday celebrated by many Asian cultures, including China, Vietnam, and Korea. The celebration marks the start of a new lunar calendar and is a time for families to come together, exchange gifts, and participate in traditional ...

Introduction The health insurance marketplace can be a confusing and overwhelming place, especially if you're new to the process of shopping for health insurance. In this blog post, we'll provide a comprehensive guide to navigating the health insurance marketplace and help you find the coverage that's right for you and ...

Introduction In today's competitive job market, offering attractive employee benefits can be a key factor in attracting and retaining top talent. In this blog post, we'll discuss some of the top employee benefits that can help you stand out as an employer of choice. Health Insurance Health insurance is one ...

Introduction Auto insurance is a necessary expense for every driver, as it provides protection in the event of an accident or theft. However, with so many different types of coverage available, it can be difficult to know which ones you need. In this blog post, we'll discuss the essential coverage ...

Introduction If you're renting a home or apartment, you might think that your landlord's insurance policy will protect your personal belongings in the event of a disaster or theft. However, that's not always the case. Renters insurance is an affordable way to protect your personal property and ensure you're not ...

Introduction While you may already have insurance policies in place to protect your home, car, and personal belongings, sometimes it's not enough. That's where personal umbrella insurance comes in. Umbrella insurance provides an extra layer of protection above and beyond your other insurance policies, giving you peace of mind and ...

Introduction When it comes to protecting your property, there are different types of insurance policies available depending on the type of home you own. For those who own a condo, condo insurance is typically the way to go. But what's the difference between condo insurance and homeowners insurance? In this ...

Introduction Auto insurance is a necessary expense for every driver, but that doesn't mean you have to pay a fortune for coverage. There are several ways to save money on your auto insurance premiums without sacrificing the coverage you need. In this blog post, we'll discuss some tips for saving ...

Introduction When it comes to protecting your vehicle, there are different types of auto insurance coverage available. Two of the most common types of coverage are comprehensive and collision coverage. But which one do you need? In this blog post, we'll discuss the differences between these two types of coverage ...

Introduction When it comes to homeowners insurance, one of the most important decisions you'll make is choosing your deductible. Your deductible is the amount you'll pay out of pocket before your insurance coverage kicks in. Choosing the right deductible is important because it can affect the cost of your insurance ...

Introduction If you own a boat or watercraft, it's important to have the right insurance coverage to protect yourself and your investment. Boat and watercraft insurance can provide coverage for a variety of situations, from accidents on the water to theft or damage to your vessel. In this blog post, ...

Introduction Natural disasters can strike at any time, and they can cause significant damage to your property and belongings. That's why it's important to have the right insurance coverage to protect yourself and your assets. In this blog post, we'll discuss the types of personal insurance coverage you may need ...

Introduction Retirement planning is an important part of financial planning, and understanding your options is key to building a secure future. One of the most common retirement savings plans is the 401(k), but there are other options as well. In this blog post, we'll discuss the basics of 401(k) plans ...

Introduction Offering group health insurance to your employees can be a significant investment, but it can also provide significant benefits to both your business and your employees. In this blog post, we'll discuss the advantages of offering group health insurance to your employees. Attracting and Retaining Employees One of the ...

Introduction Flexible Spending Accounts (FSAs) are a valuable employee benefit that allows employees to set aside pre-tax dollars to pay for qualified medical expenses and dependent care expenses. In this blog post, we'll discuss the advantages of offering FSAs to your employees. Reducing Employee Healthcare Costs One of the primary ...

Introduction Disability insurance is a crucial component of any employee benefits package. It provides financial protection to employees who are unable to work due to an injury or illness. In this blog post, we'll discuss the importance of disability insurance in the employee benefits package. Protecting Employees' Income Disability insurance ...

Introduction Employee wellness programs are becoming increasingly popular among businesses of all sizes. By providing resources and support for healthy living, wellness programs can improve employee health, boost productivity, and lower healthcare costs. In this blog post, we'll explore the benefits of wellness programs and how you can implement one ...

Introduction Voluntary benefits are becoming increasingly popular among employers looking to offer additional benefits to their employees. These benefits are paid for by the employee and can include things like supplemental insurance, retirement plans, and other perks. In this blog post, we'll explore the advantages of offering voluntary benefits to ...

Introduction The Family and Medical Leave Act (FMLA) is a federal law that requires employers to provide employees with job-protected and unpaid leave for qualified medical and family reasons. As an employer, it's important to understand your obligations and responsibilities under FMLA. In this blog post, we'll explore the basics ...

Introduction Employee Assistance Programs (EAPs) are employer-sponsored programs designed to support employees in times of need. These programs provide confidential, short-term counseling and referral services to employees and their families for a variety of personal and work-related issues. In this blog post, we'll explore the benefits of EAPs and how ...

Introduction Employee benefits are a crucial component of any employer's compensation package, but they're only effective if employees understand and appreciate them. That's where an effective employee benefits communication strategy comes in. In this blog post, we'll explore the importance of employee benefits communication and how to create a strategy ...

Introduction As a business owner, protecting your assets is a top priority. Commercial property insurance is a type of insurance coverage that can help safeguard your business assets in the event of damage or loss. In this blog post, we'll discuss the importance of commercial property insurance and what it ...

Introduction As a business owner, unexpected events can cause disruptions that can impact your ability to operate your business. Business interruption insurance is a type of insurance coverage that can help keep your business afloat during unexpected downtime. In this blog post, we'll discuss the importance of business interruption insurance ...

Introduction As an employer, providing a safe and healthy work environment for your employees is a top priority. However, accidents can still happen, which is why workers' compensation insurance is an important part of any business insurance portfolio. In this blog post, we'll discuss what employers need to know about ...

Introduction As a business owner, protecting your vehicles and drivers is a top priority. Commercial auto insurance is a type of insurance coverage that can help safeguard your business vehicles and drivers in the event of an accident or other covered event. In this blog post, we'll discuss the importance ...

Introduction As a business owner, providing professional services to your clients is a top priority. However, mistakes and misunderstandings can happen, which is why professional liability insurance is an important part of any business insurance portfolio. In this blog post, we'll discuss what professional liability insurance is and why it's ...

Introduction As a business owner, protecting your business from cyber threats is essential in today's digital world. Cyber liability insurance is a type of insurance coverage that can help safeguard your business from the financial losses resulting from cyber attacks and data breaches. In this blog post, we'll discuss the ...

"What is Employment Practices Liability Insurance? Employment practices liability insurance is a type of insurance coverage that provides protection for your business in the event of employment-related claims, such as discrimination, harassment, or wrongful termination. This type of coverage can provide financial assistance for legal defense costs, settlement costs, and ...

Introduction As a leader of an organization, you have a duty to act in the best interests of the company and its stakeholders. However, mistakes and misunderstandings can happen, which is why directors and officers liability insurance is an important part of any organization's insurance portfolio. In this blog post, ...

Introduction As a business owner, protecting your business from financial losses resulting from unexpected events is essential. A comprehensive business insurance plan can help safeguard your business and provide peace of mind. In this blog post, we'll discuss how to create a comprehensive business insurance plan. Assess Your Risks The ...

Introduction A health savings account (HSA) is a tax-advantaged savings account that can be used to pay for medical expenses. HSAs are available to individuals and families who have a high-deductible health plan (HDHP) and offer several benefits, including tax savings and flexibility in how funds are used. In this ...

Introduction Health insurance is an important part of financial planning, providing financial protection against unexpected medical expenses. However, there are many different types of health insurance plans available, each with its own benefits and limitations. In this blog post, we'll discuss the different types of health insurance plans and how ...

Introduction Choosing the right health insurance plan can be a complex decision, but one of the most important factors to consider is the deductible and copay. The deductible is the amount you must pay before your insurance coverage kicks in, while the copay is the amount you pay for each ...

"Sure! Here's a blog post on ""Short-Term Health Insurance: Pros and Cons"": Introduction Short-term health insurance is a type of coverage that is designed to provide temporary health insurance benefits. This type of insurance can be appealing for individuals who are in between jobs or have a gap in coverage. ...

Introduction Dental and vision insurance are important components of a comprehensive healthcare plan. They provide coverage for routine checkups and treatments for dental and vision health. In this blog post, we'll discuss why dental and vision insurance is important and how to choose the right plan for your needs. Why ...

Introduction Telemedicine is a new and rapidly growing trend in the healthcare industry. It allows patients to receive medical care and advice remotely, through the use of video conferencing and other digital technologies. In this blog post, we'll explore how telemedicine is changing the face of healthcare and insurance. The ...

Introduction The Affordable Care Act (ACA) was signed into law in 2010, with the goal of increasing access to affordable healthcare for all Americans. In this blog post, we'll explore how the ACA has impacted the health insurance industry and what it means for consumers. Key Provisions of the ACA ...

Introduction Health insurance can be a valuable resource for managing your healthcare expenses. However, understanding your coverage and maximizing your benefits can be challenging. In this blog post, we'll explore some tips for getting the most out of your health insurance coverage. Know Your Plan Understand Your Benefits Take the ...

Introduction Mental health issues are becoming an increasingly common concern in our society. Fortunately, health insurance plans are required to cover mental health services just as they cover physical health services. In this blog post, we'll explore how health insurance covers mental health issues and what you can do to ...

Introduction Life insurance is not something that most young adults think about, but it's an essential part of financial planning. Life insurance can provide financial protection for your loved ones in the event of your unexpected death. In this blog post, we'll discuss the importance of life insurance for young ...

Introduction Estate planning is an essential part of ensuring that your assets are distributed according to your wishes after your death. Life insurance can be an important part of estate planning, providing financial support for your loved ones and protecting your legacy. In this blog post, we'll discuss the importance ...

Introduction Calculating your life insurance needs is an essential part of financial planning. Life insurance can provide financial support for your loved ones in the event of your unexpected death. In this blog post, we'll discuss how to calculate your life insurance needs. Assess Your Financial Obligations The first step ...

Introduction Business succession planning is an essential part of ensuring the long-term success of your business. Life insurance can play an important role in business succession planning, providing financial support for your loved ones and ensuring that your business can continue after your death. In this blog post, we'll discuss ...

Introduction Life insurance is often associated with breadwinners who provide financial support for their families. However, stay-at-home parents also need life insurance to protect their families in the event of their unexpected death. In this blog post, we'll discuss why life insurance is essential for stay-at-home parents. The Value of ...

Introduction Life insurance is an important part of financial planning, providing financial support for your loved ones in the event of your unexpected death. However, many people are not aware of the additional benefits and options that are available through life insurance riders. In this blog post, we'll discuss the ...

Introduction Choosing the right life insurance beneficiary is an important part of your financial planning. Your beneficiary will receive the death benefit from your life insurance policy, providing financial support for your loved ones in the event of your unexpected death. In this blog post, we'll discuss how to choose ...

Introduction Life insurance is an important part of financial planning, providing financial support for your loved ones in the event of your unexpected death. However, there are many myths and misconceptions surrounding life insurance that can prevent people from purchasing the coverage they need. In this blog post, we'll debunk ...

Introduction Your home is likely one of the biggest investments you'll make in your lifetime. It's where you make memories, build your life, and keep your most valued possessions. As such, it's important to protect your investment with a comprehensive homeowners insurance policy. In this blog post, we'll discuss the ...

Introduction As a business owner, it's important to have the right insurance coverage to protect yourself and your business from common risks. General liability insurance is a type of insurance coverage that provides protection for your business in the event of lawsuits or claims for bodily injury or property damage. ...

Introduction When it comes to life insurance, there are two main types of coverage to choose from: term life insurance and whole life insurance. Both types of coverage can provide important protection for you and your loved ones, but they differ in several key ways. In this blog post, we'll ...

Introduction Life insurance is an important part of financial planning, providing financial support for your loved ones in the event of your unexpected death. However, life insurance can also play a role in retirement planning, providing additional financial security for your retirement years. In this blog post, we'll discuss how ...