We continue to monitor legislation and would like to share information which will help you address your immediate business planning needs and reduction in workforce concerns. The Families First Coronavirus Response Act passed March 18, 2020 is expected to go into effect on April 2, 2020. The Act creates significant new financial and administrative obligations for employers. Due to the Act not requiring employers to provide paid time off to employees who were laid off prior to the act taking effect, employers are faced with the difficult and urgent decision regarding staffing. Regulations will be issued by the Department of Labor, but until that time employers should be prepared to comply with the law as is written. The legislation requires two new types of paid employee leave, Sick Leave and FMLA. Read More

Financial wellness is a hot topic. Why is it such an important issue for employers?

  • Employees are not well informed on financial topics.
  • Employers have made the correlation between financial stress and how it impacts the wellness of the employee. Not only does financial stress impact health care costs, but also productivity.

When employees are hurting, it affects your business and profit margins. When an employee is not financially stable, it creates financial stress which suppresses the immune system and makes people sick. A sick workforce impacts profitability with higher health care costs and lost productivity.

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Change is coming to auto insurance in Michigan, home of the highest rates in the nation.  We promised not to bore you with a bunch of facts and terminology in our blog posts, but this change is historic for the state of Michigan.  It is so significant and important that we want you to have all the necessary information to make an informed decision.  What does the no-fault auto reform bill mean to Michigan drivers?  Let’s first look at the facts regarding the law and how it will bring financial relief to residents. Read More

Legalization of marijuana, whether for medical or recreational use, is rolling out across the country.  As marijuana becomes legal in more states, employers must implement and enforce firm policies on how marijuana use will be tolerated.  Last year Michigan became the 10th state to legalize marijuana for adults 21 and older.  This leaves employers faced with the dilemma, do they continue to test employees for THC (the chemical responsible for marijuana’s psychological effects), and maintain a zero-tolerance drug policy? Read More

Welcome to Koppinger & Associates, Inc. and to our blog.  We are excited to be able to keep you updated regularly with information from the world of risk management.  Do you wonder if you have the correct insurance in place to protect your business from unseen risks? Or are you providing an employee benefits program that retains and attracts employees?   Perhaps you have visited our LinkedIn page and wanted to delve deeper into a particular topic.  Whatever the reason is that led you to this blog, we are thrilled you are here.  This is the place for you!  We will share our passion for risk management and provide education, analysis, tools and resources to help your business grow and succeed. Read More

What Our Clients Are Saying

Clients choose to hire us because we know their business and know what they need. They continue to work with us because we put their interests first.


With Eileen and the Koppinger & Associates team, our needs are always in focus and a priority. During our 20-year partnership, they have been exceptional advisers and resources. From assistance with contract review and negotiation, to benefit plan compliance, we know we can count on them for the help we need. Read More

“We are one of the largest Marine Diving Contractors in Michigan. With Koppinger now part of our team, we have lowered our workman’s comp insurance rates and are now protected with the proper Marine and pollution policies and winning more bids.” Read More

“[…] Eileen and her staff understand our industry, and have the knowledge and experience to guide us. I have a lot to think about running and managing a contracting business, but I know I can rely on the team at Koppinger & Associates who care about the success of my business and the welfare of my employees.” Read More

“The team at Koppinger & Associates is responsive, proactive and our total resource. From assisting us with safety programs, to creating a plan to manage our benefit programs including employee education about consumer driven health plans, Eileen and her team bring the knowledge and resources we need to be our best.” Read More

“As a CNC machining company, we have seen our share of changes in our market and the economy. Koppinger & Associates, Inc. has been our insurance backbone for over 20 years in both Commercial Insurance and our Employee Benefits program.” Read More

“As a small business managing compliance can be a full time job, Koppinger & Associates brings the knowledge, assistance and resources to help us meet the challenge! It is not uncommon to find Eileen in the plant helping our supervisors with return-to-work programs and safety or conducting an open enrollment meeting for our employees: our needs are always in focus and the priority.” Read More

“Koppinger & Associates first takes a very personal interest in your business, then designs the most competitive insurance program available. Rarely do you find a professional services firm who invests their time to really know and understand your business.” Read More

“From contract review to safety assistance, Koppinger & Associates provides knowledgeable guidance, we truly see them as a strategic partner.” Read More

“When it comes to risk management, Koppinger & Associates, Inc. provides the personal service and expertise we were looking for. Eileen and her team have a logical method of explaining and educating us in the world of risk transfer that is clear and to the point. We can always rely on their support and it is reassuring to know we have an adviser who keeps our best interest first.” Read More

“Partnering with Koppinger & Associates, Inc., we were able to prepare and tackle the hurdles of Healthcare Reform and the Affordable Care Act. Koppinger & Associates, Inc. had the knowledge and dedication to create and execute a plan […]. The guidance that Koppinger & Associates, Inc. provides us is unrivaled!” Read More

“Partnering with Koppinger & Associates, Inc. was one of the best business decisions we have made. We are extremely satisfied with the responsiveness we receive from Eileen and her team. They are always there to answer our questions, we are treated as if we are their only client.” Read More

“Koppinger & Associates, Inc. has been instrumental in my ability to effectively administer our Employee Benefits program. They are very knowledgeable and ready to assist with open enrollments, employee education, billing and claims.” Read More

“Koppinger & Associates, Inc. looks at the business first and evaluates the needs of each business on an individual basis. Each business is unique and I would expect nothing less. The staff at Koppinger & Associates, Inc. is awesome to work with, and presents themselves as a team.” Read More

“We were concerned with the lack of employee engagement and education regarding our benefit plans. We heard about Koppinger & Associates, Inc. through a mutual contracting associate. After meeting with Eileen, she conducted a complete analysis of our needs and educated us on the plans that made the most sense based upon our needs. Our… Read More

"Koppinger & Associates is a true strategic partner, we know we can count on Eileen and her team for advice. Whether we are managing our risks for a plant expansion or evaluating our sprinkler system and infrared testing to reduce fire exposure, her team delivers quality advice and solutions to our privately-held, 70 year-old manufacturing company." Read More

“The Koppinger & Associates, Inc. team are knowledgeable, responsive, dependable and have proven themselves to be excellent and trusted advisors. Our daily operations present very specific and unique exposures that require thoroughness and accuracy. Eileen understands the working pieces of our business and always provides us with the tools and resources necessary to make informed… Read More

“You want the Koppinger & Associates team on your side. When our ownership structure changed we were in jeopardy of losing our excellent workers compensation experience, due to their knowledge of the Michigan Workers Compensation Bureau rules we successfully kept our experience: saving us thousands of dollars!” Read More

We Offer Solutions

We will help you identify business risks and implement problem-solving solutions that are tailored to your industry. Your needs come first with the ultimate goal of empowering you to lead and grow your business.