Text Us!

One of our newest and favorite client service feature is the ability to text us.

This allows the options to contact us regarding:

  • New quotes
  • Policy service
  • Pictures
  • Sending documents
  • Change request
  • Billing question
  • And so much more…

Give it a try!  810.395.5748

 

KC Insurance Agency is now Venture Insurance Group!

We are extremely excited to launch our new name and logo for Venture Insurance Group.

Why Venture Insurance Group?  No, the agency wasn’t sold!  For many years I have been asked “what does KC stand for” and I could never answer that question, because I don’t know.

One of our top priorities at Venture Insurance is keeping up with the changing needs of our clients. The agency has gone through many changes over the last 10 years in an effort to offer more products and enhance our technology.  I never felt the branding of the agency represented who we were and the direction we are taking.

I love the thought process that we are all on our own life adventure and we all live in many different ways.  Needs vary from person to person and we understand that.

A few of our new additional services are Agency texting (810.395.5748), client portal and online quoting.  Try it out!

Life is an Adventure. Protect it.

Darci Breslin

Are you ready for an “Adventure”?

KC Insurance Agency Group is re-branding!
We are working hard to make your life easier.

Some things to look forward to:

  • Company Name Change
  • New Logo
  • Updating our Technology
  • Widening our Team
  • Expanding our Products
  • NO Ownership Changes

We are excited about these changes and hope they prove successful to help you save time and have more protection for your possessions, giving you peace of mind.

Keep watching!  These changes will be coming soon!

Thank you to all of our troops past and present!

Time spent with family is worth every second! With all that is happening in this world we have decided to close on May 26th and will reopen on May 30th to spend time with our families. We hope you all take the time to appreciate the loved ones in your life.

If you need to make a claim or a payment you can go directly to your carrier’s website.

KC Insurance Agency Group Inc.

Medicare Access and CHIP

Have you heard of the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015? In an effort to combat identity theft, Medicare and the Railroad Retirement Board will mail out new Medicare cards with a new Medicare number beginning in April of next year (2018). The new number will have both numbers and letters. Instead of being your social security number as it is currently for most people, it might look something like this: “1EG4-TE5-MK73”

Social Security and Medicare

Medicare and Social Security are important topics to those getting close to retirement and those already in retirement. Why?

Because medical expenses are a great risk to one’s money that has been set aside for retirement. Unfortunately in most situations social security is not sufficient to maintain ones “ideal retirement”.

I recently spoke at the Kiwanis Club of Mt. Clemens and the audience was surprised to learn that while the maximum social security check one could receive is $2,639 (if you maxed out your earnings limits for a number of years), the average check a couple receives is $2,212 or $1,341 for an individual.

Can you pay all your bills on $2,212 every month or do you need to dip into savings?

Most people have to dip into savings. Medicare is a major-medical program covering 80% of expenses, with several ways to cover one’s 20% copay and the various deductibles. If you are frustrated with your Medicare coverage, call our office! We have some of the most experienced agents with Medicare that you’ll probably ever meet.

If you’re afraid of running out of money in retirement call me, Al Acitelli at 248-789-0750 or alacitelli@gmail.com. There are several ways of stretching your money.

But do you really know how long the money and income you have really will last? I’ll be posting a new video soon that shows the major impacts on your ability to stretch savings and income over one’s lifetime.

There will never be an app for this…

Good luck fitting in all that embodies a business degree, commercial professional designations, leadership training, and countless hours of self-study and professional life experiences in to an app. Just saying…

Ease of business and customer service is not dead and does not require a flashy icon on an electronic device to work. Now to avoid a black lash of “what rock do you live under”, let me be very clear that applications are useful, provide instant gratification for a number of things and are a very critical part of who we are as an evolving technical society.

The insurance industry as a whole is changing. The Baby Boomers are approaching retirement, if they have not already, either passing their agencies down to family or selling. A new generation of millennial agents and owners will be consuming the industry from both a broker and carrier end. How will the business transaction between agent and business owner change? Will it be more informal as so many avenues are now available to talk less and type more?

When I was young, my father taught me how to properly shake hands. He explained what a firm, close encounter such as a handshake meant in the business world. My handshakes represent the beginning of a relationship; the strength I use symbolizes my fighting effort to use all I have to get you, my client, to where you need to be. This includes all the customer service you can handle!

There will never be an app for that. For the face to face meeting, reading body language, that handshake. Don’t buy your insurance like you buy your shoes. If it’s cheap and fast, it’s probably not good.

So You’re Saying There’s a Chance!

About the only thing in this world that we can safely bet on is change. Nothing stays the same forever, thank goodness! Some of the changes we face are well calculated and some are just a plain slap in the face. Either way, we are faced with daily sometimes even hourly new decisions that need to be made which will again create change. See, I told you, we cannot escape it.

Regardless of the service or product your business focuses on, some things are more intangible than others. The intangible benefit of working with KC Insurance Agency Group creates a value relationship based on supporting your businesses core needs, allowing you to focus on delivering your tangible assets to your clients.

Making the change to our agency for you means change. We understand that the concept of changing can come with both apprehension and confusion. Have you asked yourself any of the below questions regarding your business insurance?

  • Do I have enough or the proper coverage?
  • Why are my Workers Compensation premiums so high? Can anything be done?
  • What is my agents name again?
  • Who can help our business with HR issues, loss controls and premium stability?

Local, professional and aggressive, we are solution makers! We want your business, are committed to the whole process of consulting, marketing and serving your accounts here at our Imlay City office. We are not a transactional agency; we will invest ourselves and make the transition as seamless as possible.

You have the power to change how you incorporate your already necessary commercial business insurance in a way that you never thought possible. Let us help you put the value back in your coverage and have it finally go to work for you!

Holiday Spirits

Ah the holidays. Eating, drinking and being merry. If you are entertaining guests or just find yourself with a little extra time this holiday season, I have put together some great local breweries that will be sure to keep you jolly!

It really does not matter what area of Michigan you are in, you are close to a great beer. The infamous Atwater Brewery, Frankenmuth Brewery and Motor City Brewing Works are surrounded by other local legends. In no ranking order, and by no means a complete list, below are some highly regarded breweries in Oakland/Macomb Counties and a little bit about what makes them so special!

Macomb County

  • Sherwood Brewing Company – Located on Hayes Rd in a plaza might be the last place you would think you would find an authentic brewery. Think again! All beer, wine and soda are made in house. Menu has something for everyone and my personal favorite, Spinach and Artichoke salad paired with their house Blondde Ale.
  • Dragonmead Microbrewery – You can literally find their beer everywhere! If you are looking for a unique atmosphere, head to 11 Mile in Warren where you find beer from American Ales to winter season Norwegian Jul Ol Christmas Ale. Visit their website for full descriptions of their available beers, very handy for those who need a little help choosing!
  • Other Must See’s – Kuhnhenn Brewing, Falling Down Beer Co.

    Oakland County

    • Black Lotus – This brewery has a philosophy that goes beyond! “Think Global, Drink Local” is a way of life for Black Lotus. Dedicated to serving its patrons and community with killer bar food and seasonal beers that have to be experienced. Located with the unique address of 1 E. 14 Mile Road, this Clawson brewery should not be missed.
    • Rochester Mills Beer Company – Right in the heart of Rochester lays a brewpub with an atmosphere as comforting as the food and drink. Great bands, pool tables, a sprawling bar and great made in house craft beers!

    Other Must See’s – Woodward Avenue Brewers, Griffin Claw, 51 North, Royal Oak Brewery, Bastone Brewery.

    Please always remember, don’t drink and drive

What’s Your Plan, Stan?

All operations big and small need to have plans for the unexpected. So in the event of an emergency, or maybe a very large order, financial resources, communication procedures and logistics are ready to respond. If it has the chance to disrupt the normal operational flow, it needs to have a pre thought out plan to insure you and your business comes out on top.

When the warehouse is burning down, your state is experiencing a terrible natural disaster, or an unexpected death of a key executive occurs, this is NOT the time to think about what your plan should be. Even with the calmest under pressure management, crises management plans need to be handed pre event, not during or post.

Our company forklift driver pierced large barrels of chemicals in our warehouse! How important are environmental and emergency response regulations that apply to my business? Very, and this is generally a requirement to be included in many regulatory permits that are business specific. If you are not sure where to start, in Michigan, The State of Michigan Department of Environmental Quality will provide businesses with necessary expertise on environmental risks. For facilities that use or handle substances that have a potential threat to humans or the environment, from spill control and prevention, hazardous waste and air pollution, Local Emergency Planning Committees along with police and fire departments have emergency planning and training to step in at a moment’s notice. This is an important part of a Contingency Plan since spills or exposures to chemicals can interrupt operations and be costly.

IT Asset Security is one of the most critical components of a solid Continuity Plan. When you think of intellectual property that could be stolen or destroyed such as trade secrets, computer programs and equipment, this is Asset Security and nothing to mess with. Your contingency plan should have a backup of corporate records. If key machines are lost and you are unable to produce your product and not meet your customers demands, Contingent Business Interruption (CBI) insurance can help soften the financial impact.

Many factors will influence your business Contingency Plan. Here is a 8 step outline of procedures to use when writing a Contingency Plan.

  • Set up a contingency planning committee and choose someone to lead the group
  • List every business process in each department
  • Discuss key assumptions with management in each department
  • Prioritize each assumption in order. Play the “what if” game
  • Decide how you will compensate if something negative occurs to stay profitable
  • It takes a village to raise a child, same applies here. Get the input of many!
  • Take a second look. Go over the contingency plan again, find areas that may have been missed
  • Practice makes perfect! Test your contingency plan. Sometimes conflicts occur between departments’ contingency plans. This is generally found in the interdepartmental review. Play role scenarios without shutting down systems. After review tests have been completed, bugs have been worked out; it’s time for the final number. Fully test your plan, set aside time to shutdown areas in real time, putting your contingency plan into full effect.
  • Working with a knowledgeable insurance agent on what areas of your contingency plan are covered by your existing insurance coverage, and what might not be, is a great way to secure financial stability of losses. Work scenarios out with your agent; find out the most effective way to modify your commercial insurance policy to meet your needs.