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INSURANCE EDUCATION WITHOUT THE JARGON

Insurance Explained Without the Boring Jargon

The Insurance Dork is where Mike Vereecke breaks down coverage questions, policy mistakes, and insurance changes affecting Michigan families and businesses.

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The Insurance Dork explaining insurance in plain language

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Latest Insurance Dork Videos

Short, practical explanations designed to help you ask better questions before a claim, renewal, or major purchase.

If you own a restaurant, having insurance isn’t necessarily the same as having the right restaurant insurance. Restaurants face an unusual combination of risks: kitchen fires, equipment failures, spoiled food, customer injuries, employee accidents, liquor liability, delivery vehicles, cybercrime, and extended shutdowns.In this video, Mike Vereecke—the Insurance Dork—explains the insurance policies and endorsements Michigan restaurant owners should consider, including: - Commercial property and general liability - Business income and extra expense - Equipment breakdown - Food spoilage and contamination - Liquor liability - Workers’ compensation - Employment practices liability - Cyber and crime coverage - Hired and non-owned auto - Sewer backup, flood, and umbrella liabilityNot every restaurant needs every endorsement. A diner, brewery, pizza delivery shop, and fine-dining restaurant all have different risks. The important thing is knowing what your policy covers, what it excludes, and which risks your business is keeping.If nobody has walked through these questions with you, Customers First Insurance Group can help review your Michigan restaurant insurance.Contact Customers First Insurance Group: 586-221-6870 Https://customersfirstig.comThis video is for general educational purposes. Coverage varies by insurance company, policy language, endorsements, limits, and the facts of each claim.
Restaurant Insurance: Coverages Most Owners Overlook
Michigan PIP can feel way more complicated than it needs to be. 😵‍💫 Different limits, different rules, different ways your health insurance can come into play… and somehow you’re supposed to make the right choice. So today we’re dorking out on Michigan PIP and trying to make it simple enough that even this classroom can follow along. 😂 #InsuranceDork #MichiganInsurance #MichiganAutoInsurance #PIP #AutoInsurance #NoFaultInsurance
DorkinPIP
A contract can require coverage that the insurance policy may not actually provide. That’s why a Certificate of Insurance should not be the only thing you rely on when the risk is meaningful. The contract may require additional insured status, waiver of subrogation, completed operations coverage, higher limits, or specific endorsements.But the actual policy has to support those requirements. The contract, Certificate of Insurance, and policy all need to tell the same story.
The Certificate and Policy must match
Let’s get a little dorky about PIP. 🤓🚗Personal Injury Protection may not be the flashiest part of an insurance policy—but understanding the coverage you carry before an accident is always a smart move.Do you know what your PIP coverage does?#InsuranceDork #PIPInsurance #PersonalInjuryProtection #AutoInsurance #InsuranceEducation #RiskManagement
Dork talks PIP (Personal Injury Protection)
D&O insurance is important, but it is not a magic insurance force field.It usually does not replace General Liability, Professional Liability, Cyber Liability, Workers’ Comp, or Employment Practices Liability.It may not cover bodily injury or property damage. It may not cover intentional fraud or criminal acts. And employment-related claims may or may not be included, depending on the policy.So don’t just ask, “Do we have D&O?”Ask, “What does our D&O actually cover, who does it protect, and what is excluded?”Watch the full Insurance Dork video here: https://zurl.co/RT1NV
What Does D&O Insurance cover
A cheap D&O policy can be like a helmet made out of graham crackers.It looks like protection until you actually need it.With Directors & Officers Insurance, the details matter. Who is covered? Is the organization covered? Are volunteers covered? Are defense costs inside the limit? Are employment claims included or excluded? Are the individuals and the organization sharing the same limit?A low-cost policy that excludes the claim you are worried about is not much comfort.Watch the full Insurance Dork video here: https://zurl.co/HLKxP
Beware, Cheap doesn't neccesarily equal good.
Buying a used RV or camper?Insurance is not a maintenance plan.Old leaks, rot, soft floors, bad seals, and long-term water damage usually do not become covered claims just because you bought insurance yesterday.Before you buy used, inspect the camper carefully.Watch the full RV/camper insurance video here: https://youtu.be/xqqtWSNkm34#RVInsurance #CamperInsurance #InsuranceDork
Buying a Used Camper? Watch This
Weekend camping, seasonal use, full-time living, and renting out your RV or camper are not the same risk.Insurance companies care how the camper is actually used.Before there is a claim, make sure your policy matches how you really use your RV or camper.Watch the full RV/camper insurance video here: https://youtu.be/xqqtWSNkm34#RVInsurance #CamperInsurance #InsuranceDork
How You Use Your RV Matters
Camping season may end, but the risk to your camper does not.Even while your RV or camper is sitting in storage, it can still be damaged by fire, theft, falling trees, snow, ice, wind, or rodents.Before you cancel coverage for the winter, make sure you understand exactly what protection you’re giving up.Watch the full video here: https://zurl.co/NGf4h#RVInsurance #CamperInsurance #InsuranceDork #MichiganInsurance
Don’t Cancel Camper Insurance in Winter
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EXPLORE BY TOPIC

Start With the Question You Have

Michigan Auto Insurance

PIP choices, liability limits, accidents, rates, and coverage decisions.

Homeowners Coverage

Replacement cost, roof coverage, water losses, deductibles, and common gaps.

Business Insurance

Liability, property, commercial auto, workers compensation, and contracts.

Claims & Coverage Mistakes

What to do after a loss and which policy details matter before one happens.

RV & Recreational Vehicles

How vehicle use, storage, valuation, and seasonal changes can affect coverage.

Insurance Market Updates

Understand why underwriting, repair costs, weather, and carrier decisions affect premiums.

Mike Vereecke as The Insurance Dork

THE EXPERIENCE BEHIND THE VIDEOS

Meet Mike Vereecke, CLCS

Mike has worked in the insurance industry since 2009 and holds the Commercial Lines Coverage Specialist designation. The Insurance Dork is his way of making the details inside insurance policies easier to understand.

Videos provide general education. Your policy language and circumstances still matter, so contact a licensed agent before changing coverage.

Learn More About Mike

Popular Questions Mike Answers

Why did my insurance rate go up?

Pricing can change because of repair costs, claims trends, weather, underwriting, and factors beyond your own driving or loss history.

What coverage am I actually buying?

Limits, deductibles, endorsements, exclusions, and settlement terms can matter as much as the premium.

When should I call my agent?

Before changing coverage, buying property or vehicles, signing certain contracts, or when something important changes.

Want More Straightforward Insurance Answers?

Subscribe to The Insurance Dork on YouTube, or contact Customers First when you need help with your own coverage.

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