This week’s blog was supposed to discuss certificates of insurance and what is needed to prepare one properly and efficiently for the agency’s artisan contractors. However, that all changed when I read my former college roommate’s Facebook post this week. Doug posted on Facebook that he had two quarter size malignant skin cancer lesions removed…

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Transfer risk to your sub-contractors! Working with numerous Artisan Contractors I have learned it is often necessary for them to subcontract out parts of a project. There are several key points to address when you hire a subcontractor to protect your business from losses and unforeseen expenses. Several of the key points as to why…

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Church socials, or a close cousin thereof, are making a comeback. What a great way to promote fellowship and fun, especially during summer. Some churches keep it simple with an outdoor picnic following worship. More adventurous planners may opt for a full afternoon of fun outside. Are you thinking sunshine, the beach, and perhaps splashing…

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You are now ready to purchase your first investment property, but before you do, consult before you buy!  You have contacted your attorney to create the structure that is going to own the building, whether it is an S-Corporation, an LLC, or a partnership. You are working with your accountant to calculate cash flows and accounting…

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Read current trends related to windstorm/hail in the Ohio homeowner’s insurance market. Learn why and how windstorms and hail affect homeowner’s insurance coverage in Ohio. In Ohio, windstorm or hail is an insured peril under the standard homeowner’s insurance policy. Importantly, Ohio is one of several states in which these two weather events are on…

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Proper planning prevents a potential property loss in the event of unwanted water damage. You have to have a plan. Game plan. Savings plan. Retirement plan. Plan B. Autopilot only works when a flight plan is engaged. Even well-considered plans need adjustments. Suffice it to say, “stuff happens.” If you are a homeowner, house flipper,…

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When is a bargain not a bargain? The real estate market is heating up across the country, but prices for multi-family dwellings in Northeast Ohio remain lower than the national average. With unemployment higher than the national average, many would-be homebuyers have had to remain renters longer than expected. The convergence of these two trends…

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Though licensing requirements often differ by municipality, Ohio trade contractors may be required to have License/Permit Bonds to ensure they follow the rules and codes for their projects.  Many municipalities in Northeast Ohio require trade contractors to be registered. While the requirements vary by city, typically the contractor will need to register with the city and provide…

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Read how the removal of Ohio’s mask requirement could be a “restart” for church renewal. Learn three areas for church renewal that may potentially follow Ohio’s June 2, 2021, “restart”. It’s official. Ohio Governor Mike DeWine lifted most COVID-19 health orders, effective June 2, 2021. For churches in Ohio, the good news is the mask-wearing…

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Summertime is playtime on Lake Erie for recreational boaters. With preseason inspections and tune-ups of hulls, engines, props, sail riggings, masts, etc. complete, boating enthusiasts are now in peak season on Cleveland’s North Shore. Long, lazy days of summer beckon, and Lake Erie is a prime playground. From powerboating to paddle boarding, the view from…

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