General Liability Policy Rating and Limits for Artisan Contractors

Artisan Contractors

Read about General Liability insurance pricing and limits for artisan contractors. General Liability Policy Rating and Limits for Artisan Contractors Artisan contractors are vital to modern life and commerce. Tectonic advances accompanied by both the Industrial Age and the Information Age have not outdistanced the ingenuity and survival of skilled craftspeople. Modern human society needs […]

Celebrate! It’s National Grilling Month!

National Grilling Month 1

Barbecue safety tips for National Grilling Month Learn how to be safe this grilling season This blog is not going to quibble over the differences between grilling and barbequing because I love to cook, using each method. Whether smoking chicken thighs as I did last Saturday to the hotdogs, burgers and corn I grilled on […]

Take 5 to Focus on 5

Take 5 to Focus on 5 blog

Discover five property examples that investment property owners need to be aware of for insurance purposes. Learn why investment property owners should inventory their property.  It is important for all investment property owners to inventory exactly what makes up their investment property. For insurance purposes, it is worth the owner’s time and effort to do […]

Lightning Strike Technology The Old Tried & True is Still Effective

Church RB

According to the Insurance Information Institute, 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches use Lightning Rods to prevent damage caused by lightning?  Lightning Rods originally developed by Benjamin Franklin in the mid-1700s still offer an effective method to divert the energy of a lightning […]

Some Trains Need Waiver of Subrogation to Run

waiver of subrogation clipboard

Learn about subrogation and waiver of subrogation in commercial insurance. Read about the Waiver of Subrogation Endorsement/Clause and why your business may need it. Practically, and to a large extent legally, businesses need the protection provided through commercial insurance. The trains don’t run without proper commercial insurance in force. For some business sectors, a not-so-well-understood […]

Farm Liability…Is Your Dog Covered?

Is Your Dog Covered

$881 million. That’s the total amount paid out for dog-related injury claims during 2021, according to the Insurance Information Institute. That total is combined amongst 17,989 dog bite claims. If that wasn’t alarming enough to read, here’s another fun fact—a recent study shows that Ohio had the highest number of postal delivery personnel bitten by […]

Cutting Your Cut Cable Claims

cutting your cut cable claims

Call 811 in Ohio before you dig. One of our agency’s clients just had a $17,000.00 claim for striking an underground electrical wire in a Greater Cleveland parking lot. Even though the client submitted a dig notification, the exact location of the dig in the parking lot was confusing and a grass island in the […]

Rough Roads Ahead for the Commercial Habitational Insurance Market

Commercial Habitational Insurance Market

Apartment owners throughout Northeast Ohio may be in for a surprise when they open their insurance renewals this year! Several factors have come together that are affecting this class of business, and policyholders may see 15-20 percent increases this year. Some issues that are affecting Northeast Ohio directly are caused by the older stock of […]