Learn why vacant land investment property owners need General Liability insurance. Read about liability exposure associated with vacant land investment property. Raw land is the original investment property, as land has always had value. For some investment property owners, land is the investment of choice. For others, it may be new territory. Any investment involves…

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Whether your church stained glass windows are 300 years old or 30 years old, they need care. Inspection with your own eyeballs is a common sense starting point. Include it on your annual chores checklist to ensure your church’s stained glass windows continue to radiate the light of day. Note that while your goal is…

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Don’t let the excitement of reopening your camp override your concerns for following safety protocols. Last year, Covid-19 shut down most church camps, but based on the availability of vaccines and testing, many are considering reopening this summer. It will not be business as usual. New considerations must be addressed. Will all staff need to…

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BYOB is a success story for businesses all over America. The custom skills and tools, combined with demand for people capable of applying them practically, make for promising careers in the vast field of independent contracting. Whether you are a tree trimmer, builder, plumber, carpenter, electrician, mason, floor installer, painter, or general handyperson, BYOB may…

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Read how COVID-19 may impact your business’ commercial general liability premium. Learn why commercial general liability insurance premiums may fluctuate due to COVID-19. Gross sales. Gross receipts. Gross payroll. Three key indicators businesses consider when establishing operational goals and measuring operational success. Without sales and receipts, your business cannot make payroll. These three indicators are…

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Accidents happen. Even small businesses and small contractors need added protection against catastrophic liability loss. Consider a hypothetical scenario in which Handyman Hal is going about his usual daily business of contractor remodeling. Hal runs out of drywall tape on the job. While driving to the local hardware store to purchase additional tape for the…

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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…

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Learn about your potential liability exposures. Like many farmers, you are planning to sell your crops at your local farmer’s market this season. How well does your current farm insurance program cover your liability exposure in that endeavor? Have you added retail exposure the farmer’s market? When selling your fruits, vegetables, meats, or jarred items…

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Today’s topic approaches your church’s stained glass windows from another perspective, that of valuation. What are they worth, particularly if you ever need to replace them? A blog cannot address every possible element in evaluating the replacement cost of stained glass. The following baseline points are meant to help you become more familiar with a…

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Every spring many artisan contractors in Greater Cleveland come out of hibernation and are ready to get back to work. Every spring, many artisan contractors in Greater Cleveland come out of hibernation and are ready to get back to work. But before they get going, they better make sure they have contractor’s insurance. The top…

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