Lightning Strike Technology The Old Tried & True is Still Effective
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…
Read MoreSome Trains Need Waiver of Subrogation to Run
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…
Read MoreFarm Liability…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…
Read MoreCutting 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…
Read MoreBicycle Safety: Simple as Riding a Bike
Learn five safety tips that will help keep bicycle riders safely in their saddles. Read about and practice bicycle safety for as long as you ride a bike. Old school or not, bicycle riding gets people outside to physically move and experience the great outdoors. After learning a few motor and balance skills, many people…
Read MoreRough Roads Ahead for the 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…
Read MoreAdd Fiber to Your Church’s Cyber
Discover three forms of cyber attack that pose a threat of loss to churches. Read common sense tips to lower your church’s risk of loss due to cyber attack. Churches may seem to be an unlikely target of cyber attack, but the reality is you never know who or what is lurking in the cyber…
Read MoreCyber Risk Immunity, Forget It – Adopt a Cyber Risk Resiliency Approach
Nobody is immune from cyber-attacks! In August 2021 T-Mobile had a total of 40 million subscriber, prospect, and former customer accounts hacked. The breach included names, driver’s license numbers, Social Security numbers, and device information. In 2020 SolarWinds, a provider of system management tools, was attacked using a supply chain of attack. This method inserted…
Read MoreKnow Your Exposure – Hazard Analysis for Your Farm
The term HAZARD is defined quite simply as a “danger or risk.” Hazards seemingly exist everywhere on a farm, so wouldn’t it make sense for you to mitigate that risk as much as you can? While you may be asking yourself, “how am I going to know what hazards exist,” I’m here to tell you…
Read MoreQueue Up Insurance Coverage for Artisan Carpenters
Read two lists of insurance coverages applicable to artisan carpenters. Learn about insurance coverages needed to protect artisan carpenter businesses. While Northeast Ohioans still await the invigoration of open windows and colorful spring blossoms, many are eager to put building and remodeling plans into action. Cue the artisan carpenters. As artisan carpenters gear up for…
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