Warren Buffett once said, “Only when the tide goes out do you discover who’s been swimming naked.” A lot of Ohio farms are carrying insurance that looks fine on paper until something actually goes wrong. That usually becomes obvious after a major fire, tornado, equipment loss, liability claim, or livestock issue. At that time, it’s…

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Subcontractors are an essential part of most construction projects. Subcontractors often bring expertise for a specific type of work (plumbing, HVAC, Concrete), flexibility and the ability to increase your workforce without hiring additional staff that may not be utilized at all times. According to the U.S. Bureau Of Labor Statistics 1 in 5 construction workers…

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Read about personal risk exposure involved with food delivery service driving. Learn important facts every personal automobile insurance policyholder should know. Love them or not, food delivery services are a cultural presence in the U.S.  As long as DoorDash, Uber Eats, Grubhub, etc. are profitable, they will be in business. Especially popular in large cities…

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Owning an apartment complex in Greater Cleveland is a major investment and it comes with continuous responsibility. It’s essential to understand how apartment maintenance works to protect your building’s value, attract long-term tenants. There’s a lot to consider, from preventive maintenance to emergency responses. Why is Building Maintenance a Top Priority? Neglecting apartment maintenance may…

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By John Bouhall, CPCU Learn about shifts in the application of the doctrine of ministerial exception. Read why employment practices liability insurance is worth it for religious entities. When’s the last time you grumbled to yourself, “Is anything sacred anymore?”?  It’s a sobering question. While we all have different backgrounds, experiences, and opinions, the standard…

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food truck

Cleveland and South Euclid just finished up their Food Truck Rodeo where food truck operators could get all of the permits they need in one place from health department permits (Cleveland & Cuyahoga County), Vendor’s License, as well as an LP pressure test. But missing from the Food Truck Rodeo was some one educating food…

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As an Ohio farmer who’s been in the game a long time, you already know spring has a tendency to get a little messy. What’s changed in recent years, though, is how extreme it’s been getting. One week it’s dry and you hope to get in the field early. Next week you’re dealing with standing…

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By John Bouhall, CPCU Learn why ladder safety practices are crucial to trade contractors who use them. Discover a new perspective linking math to trade contractor safety and success. Math. An underappreciated four-letter word. For practical purposes, math is necessarily precise in both the work of and tools used by trade contractors. One tool stands…

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The winds have been howling throughout Northeast Ohio for the past month and damage is still very visible, temporary fixes to power poles, power lines strung very low and downed trees waiting to be removed litter my neighborhood. While severe weather can damage your home the follow steps may reduce the risk for loses in…

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Read about potential upsides of Cleveland, OH, for investment property owners. Discover features of Cleveland, OH, that suggest opportunity for residential rental investment property owners. Cleveland, Ohio is one of the most affordable urban housing markets in the country, including demand for renter-occupied units. This is good news for residential real estate investment property owners.…

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