3 Signs Your Farm Insurance Is Outdated in 2026
Farms change constantly. Equipment gets upgraded, buildings added, operations expand. But one thing that often stays the same for years is the insurance policy. That can be a problem. Insurance that worked three, five, or even ten years ago, may not reflect the real risk to your operation today. Costs have risen, liability risks have…
Read MoreUNDERINSURANCE – A FINANCIAL RIP CURRENT
Discover the costly consequence of an underinsured homeowner policy. Learn what homeowners need to know about adequate property insurance limits. Underinsurance. One word that seems self-explanatory, but in fact, is woefully misunderstood. So much so that some homeowners believe their property limit should reflect market value, rather than the cost to repair and/or replace. An…
Read MoreMy Building is Looking Outdated is EIFS the Answer
You have invested hundreds of thousands of dollars into your commercial property but the building has no street appeal is EIFS the answer, or a nightmare waiting to happen. Exterior Insulation and Finish Systems (EIFS) is a non-load bearing wall cladding system made up of insulation board attached to a substrate, air and water resistive…
Read MoreA Reveal for Doubting Thomases
Learn why church property insurance is affected by consistently volatile weather. Read about three restrictive coverage shifts in the church property insurance market. The good news is 2026 winter weather in Ohio is not a phenomenon, that is, if you were alive in the 1930s and/or through the Great Blizzard of 1978. For those born…
Read MoreSocial Inflation: increasing Commercial Insurance Costs for Everybody
Social inflation relates to the increase in claims severity (not the frequency of claims) that would be expected based on economic inflation. The increases in claim settlements have been caused by various factors. Desensitization to large jury verdicts; According to Marathon Strategies 2024 was the largest year by most metrics for “supersized verdicts against companies”…
Read MoreHow to Get the Most Out of Your Farm Insurance Agent
Most people think of their insurance agent as someone they call once per year – or perhaps worse than that, only if there’s a problem. When used correctly, your insurance agent can be a valuable partner in protecting your farm, and long-term financial stability. How you work with your agent determines whether you’re getting value…
Read MoreA 3-Legged Stool Fit for Trade Contractors
Discover three simple daily tasks that factor in to trade contractor success. Learn why good attention impacts the reputation and insurability of trade contractors. As the workday draws to a close and contractors pack it in until tomorrow, they also need to pack up and secure the jobsite. Just as a 3-legged stool is a…
Read MoreTelematics: Is It Right for You?
After touting the benefits of telematics to my insureds for the past decade I have gone ahead and signed up and downloaded the app and am earning cash! I would have jumped in sooner but the carrier I have had my insurance with for 25 years did not offer telematics. Telematics is a way for…
Read MoreProtecting Your Business, Reputation, and Providing Peace of Mind
As an artisan contractor—whether you’re a plumber, electrician, carpenter, painter, or mason—your hands-on skills are the heart of your business. But with every project comes potential risks: property damage, accidental injuries, or even dissatisfied customers who may hold you responsible for financial losses. That’s where liability insurance becomes one of the most important tools in your professional…
Read MoreYour Home, Your Responsibility
Read a basic homeowners’ maintenance checklist to prepare for colder weather. Learn how homeowners may prepare for or prevent disruptive loss to their homes. Homeownership is an ongoing responsibility, as much as it is an ongoing expense. Mortgage payments, property taxes, home insurance, utility bills, routine maintenance and repairs, necessary replacements, optional upgrades. To some…
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