• boat
  • commercial bonds
  • church
  • collectibles
  • collector vehicle
  • commercial auto
  • commercial vacant
  • dwelling fire
  • flood
  • general liability
  • High Value Home-W140
  • Homeowner-W140
  • In-Home Business-W140
  • Manufactured Home-W140
  • Motorcycle-W140
  • Motor Home-W140
  • Personal Umbrella-W140
  • Snowmobile-W140
  • Travel Trailer-W140
  • Vacant Dwelling-W140
  • workers comp

Grand General Agency

3030 Ivanrest Ave SW, Suite B
Grandville, MI 49418
Phone (800)869-2022
Fax (888)767-0826

gga@thehelpfulpeople.com
commercial@thehelpfulpeople.com
marketing@thehelpfulpeople.com

  • MotorcycleFeb242014-W500
  • DairylandFeb162015
  • Fraternal OrganizationsFeb232015-W500
  • Flood 30 Day Wait February32014-W500
  • Manufactured Home All ProductsFeb32014-W500
  • Church April 142014-W500
  • Ugly MugFeb2015-W500

The Flood Is Coming!

As anyone in the Northern Midwest can attest, we get a lot of snow.

But what happens when this begins to melt...

(For people who are more visual here is a link to a wonderful interactive tool): Click Here

Flash flooding and snow melt are the prime causes of flooding in the Midwest. With the national average of claims amounting to $42,000 from 2008-12, you don't want your clients self-insuring. 

Most homeowners insurance does not cover flood and while emergency assistance may be available, it is often treated as a loan from the government, potentially costing thousands more for the insured. The only way to protect them adequately is to ensure they have a policy in force BEFORE A FLOOD OCCURS.

The timing of this article is no coincidence. Most policies require a 30-day wait period. NOW IS THE TIME to ensure that your clients are covered from the potential onslaught of water. Please give us a call so we can help you get a solution quoted for your insured. We'll run the flood zone determination and make the process as easy as possible.

Don't let your clients sink into the rising tides with no life preserver. Quote flood with every property quote you do.

Vape / E-Cigarette Shop Coverage is Available

We can offer a full gamut of coverages for your start up E-Cigarette and Vape shop clients.  We realize coverage is difficult to place for these insureds, but we have an answer! These policies can be written stand alone without need for supporting lines of coverage.

Through the Starr small commercial BOP product, we offer a businessowner's policy in all 50 states for Vape and E-Cigarette shops. The product is designed for businesses with up to $5 million in sales per location, and up to $15 million total. Coverage can be provided for liability and property lines with limits up to $2M/$4M for liability and $5M for property. We can provide the worker's compensation and business auto coverage through The Hartford for these risks as well, with all of the coverage options you've come to know and trust.

If you have any questions about the product, please feel free to give us a call, or send your submission to . We look forward to working with you!

Send Us Your Ugly Mugs! (Just a picture, really)

Are you tired of drinking out of the same boring, ugly coffee mug every morning? We can help!

Send a picture of your ugliest coffee mug to Grand General, and we may send you a brand new, limited edition 16oz insulated GGA Travel Coffee Mug!

*All accepted photos become the property of GGA and will be posted on our website.
*One entry per agent.
*Profanity or obscene images will not be considered.
*Entries will be accepted through February 27th, 2015.
*5 winners will be chosen by GGA staff on March 3rd, 2015 and will receive a free GGA coffee mug.
*Email images to  with the subject line "Here's My Ugly Mug!" or text images to 616-606-FAST(3278).

Identity Theft and Cyber Liability

We can't ignore it any more. Everyone who conducts business needs coverage for this. Some BOP policies include some limited coverage-but only rarely is it enough. A specialized ID Theft/Cyber Liability policy is necessary to protect your customers' and YOUR E&O.

   -The average cost per data breach - $300,000 (Still think the BOP endorsement
    is sufficient?)
   -Average cost per record - $188 (How many records do you have?)
   -Over 600,000,000 records have been affected by data breaches since 2005
   -There were 783 reported data breaches in the US in 2014
       -37% of breaches are malicious
       -35% are the result of human error
       -29% are from system glitches
-All but three states (AL, SD and NM) REQUIRE victims to notify their customers
 of breaches
-There was a 27.5% increase in cyber-attacks from 2013 to 2014
-There are 2 Million cyber-attacks every week

At Grand General, we know how important this coverage is and we offer multiple markets to meet your customer's needs. We can help you with coverage for a data-breach, but more importantly for the huge costs involved with data-breach reporting including the cost of identity theft coverage for the victims of the breach.

Don't wait any longer, Call us today 1-800-869-2022.

We Are Writing Cycles with Dairyland

We've added another great company to our long list of carriers.  You will now be able to write your cycle business through Dairyland Insurance in Illinois and Wisconsin.  Dairyland is a recognized leader in the insurance industry, rated A+ (superior) by the A.M. Best Company.  They offer competitive rates for a wide variety of operators and motorcycles. Another great feature is 12 months of coverage for the price of only 9 months of premium.  There's a wide variety of coverages such as: Excursion Diversion, Physical Damage Plus, Roadside Assistance, Rental Reimbursement, and Replacement Cost. Money saving discounts include: Home Ownership, Multi-Cycle, Rider Group, Loyalty, Multi-Line, HOG Member, and Rider Course.

Call us today to get started, 1-800-869.2022.