A Few Tips for the College-Bound
We all know that college is very expensive. Something you may not expect is an unanticipated accident or theft, not covered by your insurance policy. If you have a student heading away to college, such as Cleveland State, Baldwin Wallace, or John Carroll, below are a few tips to help you get the most out…
Read More1, 2, 3 Basics for Investment Property Owners of Individual Condominium Units
Learn three basic considerations for investment property owners of individual condominium units. Read a snapshot of insurance coverage recommendations for condominium unit investment property. Individual condominium unit ownership is a real thing in the realm of investment property. Some fall into it indirectly, such as via inheritance. Some directly decide to purchase a condominium unit…
Read MoreCommercial Insureds…Heads Up on Products/Completed Operations Liability
Whether your business is a large manufacturing or a small independent contracting, you have a Products/Completed Operations Liability exposure. This is a risk of doing business, and Commercial General Liability insurance provides protection for this exposure. Perhaps the easiest way to gain an understanding of Products/Completed Operations Liability is by example. Consider a business engaged…
Read MoreGive a Ring for Church Belltower Maintenance
Church steeples provide a unique landmark in towns and cities across the world. As unique as a steeple may seem, so is the maintenance that they need. Over the last six months the agency has suffered two large losses to church steeples, No, not lightning strikes (see our previous blog about lighting rods) or wind,…
Read MoreContractors Pollution Liability (CPL): Coverage against an Expensive Mistake
Contractors – do you need Pollution Liability coverage? Have you discussed the pollution exclusion in your General Liability policy with your agent? Contractor’s pollution liability (CPL) provides third-party coverage for bodily injury, property damage, clean-up expense, and defense expense as a result of your creation of a condition that is considered pollution. This condition can…
Read MoreWow! You STILL Want to Start a Horse Farm?
There’s more to know about starting a horse farm. Learn more about limiting your Equine Liability. Happy Monday, my friends! I didn’t mean to leave you hanging, but let’s be honest…you have other things going on in your life besides daydreaming about your horse farm and reading stuff on the internet, don’t you? WELCOME BACK!…
Read MoreCar Value and Full Coverage
When we review clients’ auto policy renewals, if their vehicle is around 10 years old, we often suggest that they think about whether they still want to carry “full” coverage (or what we refer to as including Comprehensive and Collision along with their required liability coverage). The auto policy will cover repairs to your car…
Read MoreWelcome to Commercial Insurance for Condominium Associations
Read about four main commercial insurance coverages for condominium associations. Learn why condominium associations need commercial insurance. Commercial insurance for condominium associations is a real thing, not to be confused with personal condominium owner’s and renter’s insurance. The differentiation is in who owns what, and who is responsible for what. This blog is limited to…
Read MoreEmployee Dishonesty
Employee dishonesty and theft can put your business at a higher risk than normal. Jim’s shop is a thriving retail business that almost wasn’t thriving anymore. Jim received a call from his bank that his business checking account was overdrawn and they were transferring money from his savings account to cover a $4,300.00 overdraft. Jim…
Read MoreSo, You Want to Start a Horse Farm Business?
Read about Insurance Coverage you should have for your Horse Farm, Part 1 Learn about Horse Farm Insurance. Many Equine enthusiasts take their passion for horses to the next level and start their own farms. Are you one of those people? As with any other business, a horse farm comes with risks of its own,…
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