Burn and Churn Spills Over to the Average Homeowner
Learn how parts of the homeowners’ insurance pool are impacting the whole. Read why repetitive weather extremes affect your homeowner’s insurance premium. Insurance is a big pool of risks. What was once predictable within an acceptable range in the deep end is literally burning up and blowing through risk models, causing noticeable churn in the…
Read MoreThat Was a Hail of a Storm!
Northeast Ohio has seen two major hailstorms in the last two weeks. Accompanied by straight line winds in excess of 70 miles an hour, the roofs of apartments and smaller strip shopping centers have taken a beating. After the storms we have had, it is imperative that you inspect your roof for damage, once it…
Read MoreChurch Life is What People Make It
Discover a few possibilities that may reinvigorate a church with weak attendance. Learn an exercise to redefine church life, which may help struggling churches. The challenge for mainline Protestant churches in the 21st century continues to be attracting people. While churches have buildings, and some have healthy sources of income, a great many are struggling. People…
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 $2,000,000.00 and commercial auto policies typically have limits of $500,000.00 to $1,000,000.00, but is that sufficient in today’s litigious environment? As a business owner if you don’t feel these liability limits are adequate based on a myriad of variables an umbrella policy…
Read MoreThe Causes of Combine Fires and How to Prevent Them
Combine fires are considered one of the most common and expensive agricultural fire-related losses by most farm insurance companies. If you’ve experienced a combine fire in the past, you know you’d rather be doing literally anything else besides dealing with it. As is often said, an ounce of prevention is worth a pound of cure,…
Read MoreSlow Down, It’s Summertime
Learn why outdoor trade contractors should pay attention to the job site environment. Read about summer job safety concerns that may be overlooked by trade contractors. Ah, summertime. Warm weather and long days are nature’s call to enjoy the open air. It is also prime time for some trade contractors, who routinely schedule back-to-back outdoor…
Read MoreSchools Out for Summer
Schools out for Summer a classic rock song by Alice Cooper shouts about being bored and having no intelligence, while these lyrics may sound harsh today, they are very appropriate when it comes to describing the deadliest driving time for teens. Each year a disproportionate number of teen driving deaths occur between Memorial Day and…
Read MoreIs Your Financial Roof Protected by Business Income Insurance?
Discover why investment property owners should consider business income insurance. Learn a few basics about the purpose and benefits of business income insurance. Planned walk-throughs are one way investment property owners address general upkeep and preventive maintenance. An additional proactive exercise is mentally walking through “what if” scenarios. Thinking about more than what you actually…
Read MoreSummer Mission Trips Are Around the Corner, Are You Ready
What an exciting time for your Church’s youth as they get ready for their mission trips. While Church leaders are getting their students ready physically, spiritually and mentally don’t forget about the mundane. Make sure the Church’s vehicles are ready to complete their job, nobody wants to miss part of the mission trip experience while…
Read MoreConnect with an Independent Insurance Agent
Discover real value independent insurance agents add to commercial businesses. Read why commercial businesses should connect with independent insurance agents. No business is an island, as each one depends on vital connections. Independent insurance agents are a reliable and reachable connection for the needs of many commercial insureds. We are Independent for you, giving you…
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