Bed Bugs: Another Liability Exposure?
Bed Bugs, an unseen liability risk! I received a frantic call from an apartment owner late last Monday that one of his east side Cleveland apartments had bed bugs, and is he liable for the damage they may cause to his tenants. I said I would look into it, but in the meantime call the…
Read MoreCover Your Condo and Contents With Proper Insurance
Learn what individual condo unit owners and renters need to know about insurance. Read about the importance of properly insuring individual, residential condo units. Homeowners are usually aware of and want to purchase appropriate homeowner’s insurance to protect their interests. However, where the home is a residential condominium unit, people are often confused about the…
Read MoreIf You Have 501(c)(3) Status, You Want to Keep It
Read a hypothetical example of how a church could jeopardize its 501(c)(3) status. Learn why cool heads and sound judgment must prevail in decision-making. Election years come and go, but when is the last time one started at a simmering boil?? A simmering boil is an oxymoron, but American politics are saturated in one now.…
Read MoreChurch and the Registered Sex Offender
A former church member recently released from prison (a convicted sex offender) approaches the church minister to ask for permission/consideration to return to church. What is the minister to do? This scenario is NOT out of the question today. It is foolish to pretend such a scenario could not exist in your church. Has your church thought…
Read MoreTake the Money and Run
No, not the 1976 song by the Steve Miller Band but the money after a loss on your apartment building. A couple of weeks ago, one of my customers referred his brother-in-law to me for a quote. The brother-in-law was purchasing his first income property, a single-family dwelling in a Cleveland suburb. I gathered the…
Read MoreGetting your Apartment Ready for Another Cleveland Winter
Preparing for winter can save you from a large property loss. Winter and freezing temperatures are forecast to roar back into Northeast Ohio in the next 24 hours or so, but there is still time to get out and complete a few simple tasks to help protect your property. You may also discover additional items…
Read MoreIt All Started with a Drip.
Read about one church’s deferred maintenance issues and imagine your church in like shoes. Learn why churches should plan for and schedule property maintenance, repair, and replacement. Wear and tear never rest, not even on Sunday. Like all properties, church properties require ongoing maintenance, including buildings or areas that may have minimal use or reduced…
Read MoreRegular and Routine? Not So Fast.
Read about the business of business and commercial insurance you never knew. Learn why specialty lines, E&S, commercial insurance exists. Own a car? Ride in a car? Use public transportation? Take any prescription medications? Fly on an airplane? Ever been up, up, and away on a hot air balloon? Many of us can check off…
Read More72,675 Reasons Why your Business Needs Employment Practices Liability Insurance
Every business in Northeast Ohio with employees or customers is exposed to potential employment practices liability claims. In the year ending December 31, 2019, the Equal Employment Opportunity Commission (EEOC) stated there were 72,675 charges against employers for discrimination. Read More! Employment Practices Liability Insurance (EPLI) should be part of your business insurance and loss mitigation program. Uninsured claims…
Read MoreHandyperson or Artisan Contractor, We Have You Covered.
Many contractors provide a variety of services but are they a handyperson or an artisan contractor is a question that we are discussing on a regular basis. According to the Insurance Service Office, a handyperson who provides a variety of maintenance-type services to their clients. However, the service must involve minor repair work including but…
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