Gross Sales, Gross Receipts, and Gross Payroll Square Up with COVID-19
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…
Read MoreDon’t Forget Your Umbrella…Insurance, That is…An Added Layer of Protection
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…
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 MoreFarmers Market Hazards, Are You Covered?
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…
Read MoreGetting More Familiar With Your Church’s Stained Glass Windows
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…
Read MoreTop Reasons Why Artisan Contractors Should Have Insurance
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…
Read MoreContractor Safety
Spring is upon us and it seems like there are Artisan Contractors everywhere. Today in the parking lot I saw two heating ventilation and air conditioning (HVAC) trucks and roofers inspecting the building across the street. With all of this work all of a sudden, you can’t lose sight of on the job safety. Safety…
Read MoreThe Po-tā-to, Po-tä-to of Electric Bicycles
Discover why a special insurance policy is recommended for electric bicycle users. Read about coverage gaps in personal lines insurance before riding an e-bike. You’ve heard the expression, “You say po-tā-to, I say po-tä-to.”. Consider the different meanings it conveys. The simplest understanding is that a potato is a potato. Same word, different pronunciation, same…
Read MoreBring Back Church Socials
Learn why bringing back church socials may be positive for your church. Read five suggestions to bring back church socials. What exactly is a church social? You won’t find the term “church social” in the Bible or in Merriam-Webster’s dictionary. So, what is a church social? For the purposes of this blog, I’ll exercise creative…
Read MoreDon’t be Led Astray by a Lead Claim
Buildings built before 1978 may contain lead that was used in both interior paint and exterior paints how does Insurance address this? Greater Cleveland is alive with new apartment construction! There is building activity from Intro across from the Westside Market to Treo near the Duck Island neighborhood to the Ascent at the Top of…
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