Is Your Hobby Putting You at Risk?
Will my homeowner’s insurance cover me since I’m not a commercial farmer? Like any business endeavor, your farm can be both a full-fledged company or treated as just a hobby. That said, regardless of how you treat your farming activity, one thing that you need to protect yourself is proper insurance coverage. “Will my homeowner’s…
Read MoreHome, Safe Home.
Your home should be a safe place for your most valuable asset…your family. The precautions listed in this post will not only protect your family, but could also protect your home and all of the items you worked so hard for. Take a tour of your home to be sure there are no harmful chemicals…
Read MoreTechnology Doesn’t Have to be New to Still be Effective
According to the Insurance Information Institute, 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches have lightning rods? Lightning rods originally developed by Benjamin Franklin in the mid-1700s still offer an effective method to divert the energy of a lightning strike. Lightning rods do not attract…
Read MoreContractors Errors & Omissions Insurance Could Save you a Bundle
Many artisan contractors believe they are fully protected from liability losses for many reasons. But the standard Insurance Service Office (ISO) Commercial General Liability policy does not cover the named insured’s work or products. Contractors around Northeast Ohio register with many Cuyahoga County municipalities and must provide proof of Liability Insurance to complete the registration…
Read MoreInsurance to Protect You from Active Shooters & Violent Acts: a Must for All Businesses
Insurance for All I wrote a blog about keeping your tenants safe and avoiding liability. Richey Barrett has also written and repeatedly posted information about active shooters at religious institutions. Now, these two topics needs to come together! Management plans for landlords must address active shooter situations and the insurance industry needs to start providing…
Read MoreReal News for Ohio Homeowners …Winter is Pipe Burst Season
Discover five real and practical ways to safeguard your home from cold weather pipe bursts. Read how Ohio homeowners can lessen the risk of pipes freezing and bursting. Real cold. Real conditions. Real concern. If the outdoor temperature is below freezing, insulation is poor or non-existent, then pipe bursts are an increased risk for homeowners…
Read MoreThe Modern Fire
How long would it take you to escape your house in the event of a fire? Need to grab the valuables, children, pets? Do you or a loved one have a disability? Will you be able to locate scared children and pets immediately? Hopefully, you can accomplish all this in 5 minutes because that’s the…
Read MoreBuilding Owners Protect Your Assets
COVID-19 and Building Vacancy As I travel throughout Northeast Ohio, I see what COVID-19 has done to this once bustling area. Highways empty, office complexes with empty parking lots as employees work from home and shopping centers with more and more vacancies as small retailers continue to shut their doors. Once the scourge of Covid-19…
Read MoreWhat Property Insurance Options Do I Have For My Church?
Reminiscing on when we drove through the countryside, we could not help but to enjoy the different scenery — some plain and some really interesting. Some of the most diverse buildings I think you will find are the Churches. Some are simple and plain while others are very stately built with stone, and can be…
Read MoreHonoring Martin Luther King Jr.
The celebration of the life and legacy of Martin Luther King Jr. carries a different weight amidst the changes and difficulties of the past year. We’ve heard it said that we are living in “unprecedented times,” to describe the challenges of 2020 — challenges spanning across political division, racial inequities, and changes for small businesses…
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