Who Really Pays the Insurance Claim?
Dealing with property claims is always a concern for you, the property business owner. Do you have enough insurance coverage for the loss? What if the loss is caused by a defective appliance such as a refrigerator, stove, electrical cord, and/or a water supply line? Suppose you are a landlord, and the property loss is…
Read MoreManaging Fluctuating Inventories in Your Business
I recently was at the local Westlake, Ohio hardware store looking for a new smoke box for my grill. I couldn’t help but notice the area that was filled with grills and grilling equipment two weeks ago had been converted over to snowblowers and winter maintenance items. OUCH! (Read more) Of course, this made me…
Read MoreSafe Church Policy
What is meant by the term “safe church policy”? Essentially, it is an intentional plan implemented by a church to prevent acts of sexual abuse. A safe church policy is designed to protect all persons from acts of sexual abuse, whether an alleged act is committed by a person of authority (i.e. minister, pastor, rabbi,…
Read MoreGrab a Pencil, Trade Contractors
Read four scenarios relating universal life events with trade contractors’ need for insurance. Learn a few insurance basics by taking a quiz focused on trade contractors and insurance. It’s September 2020, and we’re all back to school in one way or another. In the spirit of back-to-school, today’s blog is presented in quiz format. The…
Read MoreOh No! When Your Church Upsets More Than Stomachs
What do the church picnic, annual potluck, and bake sale fundraisers all have in common? Give up? The answer is people helping people in a multitude of different traditions. The classic summertime picnic for your church is usually the highlight of the events and is greatly anticipated by all. The thoughts of what dish I…
Read MoreShould You “Plug In” to Auto Telematics?
Learn why auto telematics involves more than “plugging in” for personal lines auto insureds. Read about the use of auto telematics in rating personal lines auto insurance. We live in the Information Age. Round-the-clock communication is the new “plugged in”. Devices are connected and share data in real time. Auto telematics is a means of…
Read MoreApartment Safety Starts With Good Housekeeping
When you think apartment housekeeping, you probably think of jobs like tenants keeping their units clean, the garbage being picked up from the dumpster and the front of the building’s street appeal. But what about those housekeeping items that, if ignored, could lead to safety issues? Lighting, exits, floors, and stairs, if not properly maintained,…
Read MoreInjury to a Church Volunteer, Who Pays?
Steve, a hypothetical church volunteer in this example, is a longtime, trusted, and active church member. Steve helps the church in all manner of tasks, from participating in counting the weekly collection on Sunday morning to knocking off icicles on the church gutters. Recently Steve was injured on church property when he fell about six…
Read MoreFlat, Hip, Mansard or Gable: They All Need a Maintenance Program
Apartment buildings throughout northeast Ohio have very different types of roofs, but what they do have in common is the need for a roof maintenance program. During the latest inspection of the gable roof on our office we discovered we had a leaking pipe collar/vent stack. This was an inexpensive repair, but if we did…
Read MoreCommercial Drones are On the Rise
Learn a few basics about commercial drones and insurance for commercial drones. Read why commercial drones are on the rise and why you need drone insurance. Technology continues to put it out there and change what and how things are done. Commercial drones are on the rise, literally, and have the potential to bring about…
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