Your Farm is Not the Same as it was 5 Years Ago. Is Your Insurance?
5 subtle changes that lead to a completely different farm over time Most farmers don’t wake up one morning and decide, “today I’m going to completely change my operation!” These things happen gradually. Maybe you added a few more acres year one. Year two brought a new tractor and more livestock. The third year, you…
Read MoreOld Man Winter Is Right Around The Corner
It’s the first full week of fall in Northeast Ohio and we are enjoying some beautiful weather, warm days cool nights. But you know winter is right around the corner; it could come early like it did last year (remember the 16.5 inches Chagrin Falls received on Thanksgiving weekend) or after Christmas. But regardless you…
Read MoreThe Short on Nuclear Trickle-Down
Discover a few practical impacts of nuclear verdicts on local Ohio businesses. Learn why small and Main Street Ohio businesses should take nuclear verdicts seriously. Ohio ranks 7th in the nation by population and 5th in the nation as home to big corporations. It’s a business-friendly state with geographically convenient access among its major population…
Read MoreFully Licensed and Insured
Many municipalities in Northeast Ohio require Trade Contractors to be registered. While the requirements vary by city, typically the Contractor will need to register with the city and provide it with a Certificate of Insurance that may require it to be named Additional Insured, as well as a License/Permit Bond. Read more. A License Bond…
Read MoreOn The Road Again
Read a back-to-school reminder of safe driving habits for every household. Learn that safe driving helps to keep your personal automobile insurance affordable. Kids are back to school, school buses are running, and home schedules are adjusting. Every household should discuss school bus safety with their children. Whether you have a child in school or…
Read MoreHunting On the Farm
Hunting season is just around the corner. As a farmer with land, you should fully understand the risk you expose yourself to when allowing hunting on your property. Let’s look at your risk as the landowner when hosting visiting hunters and hopefully answer some of your questions. Perhaps you are a hunter and enjoy having…
Read MoreIdentifying Risk
Stars Align, Or Never Mind?
Read about a few pros and cons of solar panel installation for non-profit entities. Discover some funding sources churches may be able to access to pay for solar panels. Dedicated to carrying on your mission for the long-term? Rising monthly electric and gas bills? Strained operating budget? Sometimes the “stars align”, and a large church…
Read MoreExcess Liability or Umbrella Policy-what does your business need?
Most General liability policies issued today have an occurrence limit of $1,000,000.00 or $2,000,000.00and commercial auto policies typically have limits of $500,000.00 to $1,000,000.00, but is that sufficient in today’s litigious environment? (Read more) As a business owner if you don’t feel these liability limits are adequate based on a myriad of variables (does your…
Read MoreThe Jig is Up – We Need Skilled Trade Contractors
Learn why skilled trade contractors are vital to our society and our economy. Read about some consequential effects of a shortage in skilled trade contractors. For too long, the message to young people has been that a college degree is the ticket to success. Statistics supposedly back up this notion, although, based on my daily…
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