It 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…
Read MoreThe Invisible Farm Hazard
What hazards are hiding in your farm? Learn about manure pit hazards. Today, we’re going to talk about a hazard that many farmers don’t think about until it’s too late, your manure pit. Manure pits pose a serious hazard to even the most seasoned of farm workers. In fact, three Ohio brothers sadly just passed…
Read MoreGiving Back Is Great, Unless Someone Takes
Giving is great but be sure nobody is taking! After Church, I was reading the bulletin and there was a small article that the Church will not be sending out annual statements of giving. The article stated if you need to know how much you gave, you will need to log into a secure portal…
Read MoreMoving on Up!
Recently, I wrote about a prospect in Rocky River who was purchasing her first apartment building. The prospect owns several single-family rental units and the discussion revolved around properly insuring the garage. It was confirmed that the garages must be listed on the declarations page when insuring apartment buildings on a commercial form. This difference…
Read MoreMoving Pieces and Parts. Automobile Insurance for Trade Contractors.
Learn about owned, non-owned, and hired automobile insurance for trade contractors. Read why trade contractors need more than business-owned automobile insurance. The main stage for trade contractors is the job site. Pieces and parts are routinely put together, either for repair, renovation, or new construction. Those pieces and parts don’t magically appear at job sites;…
Read MoreStoveTop FireStops
As the owner of rental properties, if you could reduce your economic loss by reducing the size of a cooking fire for approximately $50.00 per unit, would you do it? You can do this with a simple item call StoveTop FireStop. According to the National Fire Prevention Association (NFPA), a kitchen fire starts every 8…
Read MoreGet Your Summer Home Ready for Winter
Prepare your summer home for winter: Planning now could help you avoid damage next spring! I saw the school buses out this morning for the first time this year and had to remind myself no more right turns on red on the way to the office. (Ohio’s school bus stopping laws sounds like a topic…
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