Know About D&O Liability

Know About D&O Liability

Learn about potential D&O liability exposures for both for-profits and non-profits. Discover some differences in D&O Liability policy wordings that impact coverage. Liability. A single word that bears a lot of weight. Whether you own or manage a business or non-profit, you have liability exposures. A General Liability insurance policy is a must, but its […]

Stop Throwing Your Money Away on Insurance

Stop Throwing Your Money Away on Insurance

Life is unpredictable, and the best way to defend yourself against unforeseen losses is through an adequate protection plan for your farm and your family. 66% of Americans are underinsured, leaving them unable to fully protect their assets and financial well-being. I get it, the savings you get from having lower premiums looks great on […]

Elect Coverage for Workers’ Compensation

Elect Coverage for Workers’ Compensation

Depending on your role as an artisan contractor in Ohio, workers’ compensation may be optional. Ohio requires all employers with at least one employee to have workers’ compensation however you may be able to decline coverage as well. As the owner if you are a sole proprietor, partnership, limited liability company (LLC) acting as a […]

I Got Mail

I Got Mail Final

Read about recent changes to my own homeowner’s insurance policy. Learn why the long-run stability of your homeowner’s insurance company is important. My homeowner’s insurance policy renewed recently, and I got IMPORTANT mail from my homeowner’s insurance company. The IMPORTANT mail focused on recent changes to my homeowner’s insurance policy, most of which apply to […]

Back to School, the Basics of Insuring your Investment Property

Insuring your Investment Property

As a commercial property owner, safeguarding your investment is paramount. Real estate insurance provides the essential coverage to protect your property from unforeseen risks businesses face, which can encompass property damage, liability, business interruption, and specialized coverages like equipment breakdown. The scope of real estate insurance is broader than most personal insurance because businesses often […]

Look Out For … Or Be Without

maintaining church property

Read why maintaining church property(ies) is a must for insurance purposes. Learn why a church might possibly receive a cancellation or non-renewal notice. Look out for your church property(ies). There is no practical way to avoid routine maintenance, scheduled walkarounds, and impromptu checks to assess the state of your church buildings. Churches that ignore or […]

What lies ahead in Employment Practices Liability Insurance?

People talking in office

In today’s rapidly changing business environment being aware of emerging risk is paramount. Employment Practices Liability Insurance (EPL)is an important tool for business-owners to be aware of as they manage risk in their business. The changing work landscape has created new exposures that you must be aware of. Marijuana Legalization – Ohio legalized recreational marijuana […]

Over the Hedge: Reduce Your Risk with Commodity Futures

Over the Hedge Reduce Your Risk with Commodity Futures

You remember the commodity price boom during Covid, right? I’ll bet you do! You probably celebrated windfall profits during that time. Those years are in the past though, and  now you’re most likely feeling the sting of low crop prices coupled with increased operating costs. How are you to properly manage the financial side of […]

Minding a Good Roof Overhead

Minding a Good Roof Overhead

Learn a new impact of bad weather on good business for licensed roofers. Read about a few changes in the property insurance market that affect claim payouts. For licensed roofing contractors, bad weather means good business. Until recently, property insurance companies routinely authorized the replacement of insured residential and commercial roofs damaged by wind or […]

Back to School Travel Safety Tips

Back to School Travel Safety Tips

To me summer is still in full swing but to Ellen my wife it’s winding down as her first teachers’ meeting is today! So, it is probably a good time to start thinking about some travel safety tips as students start heading back to school in Northeast Ohio. While safety tips for kindergartners and college […]