Don’t neglect loss control basics for your church during these difficult times. On average 1,300 church fires are reported each year. With more than $40,000,000.00 in fire damage occurring in churches each year, this is a great time to review some basic loss control items throughout your physical plant. Arson comprises 25% of church fires,…

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We all have aging parents, siblings, relatives or friends that may need our help as they age. Some events in our lives may trigger the involvement of probate court.  The probate courts oversee the proper settlement of estates and management of guardianship. Let our Q & A section help you understand the process. What are…

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Read why commercial property rates are increasing in all locations in 2020. Learn about one, across-the-board effect of catastrophic commercial property losses. Cleveland and Northeast Ohio are home to a wealth of commercial real estate. The gamut includes world class health care facilities; cultural institutions; theaters; research, manufacturing, and food processing operations; apartment buildings; churches;…

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Approximately 60 occupational fatalities occur each year due to backover accidents. This number can be reduced by implementing additional safety standards for your commercial auto fleet and reduce your auto insurance premiums. OSHA’s standard for motor vehicles only requires a backup alarm “audible above the surrounding noise level” on any vehicle with “an obstructed view…

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With May’s unemployment rate in Ohio sitting at a staggering 13.7% due to COVID-19, Richey-Barrett Insurance has been receiving a large number of requests for insurance from startup landscape contractors. Unfortunately, our closing rate has been much lower than normal for theses artisans, and I am concerned many of these startups are going without the…

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Finally the first weekend with beyond gorgeous weather, that makes everyone starting to think of all the upcoming summertime fun! If you own a pool at one of your investment properties, it may be time to start planning the maintenance your pool requires. Everyone knows the saying “Safety first!” Therefore, let’s review some basic pool…

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Learn why e-scooter users need special insurance beyond homeowner’s and personal auto insurance. Read why there is personal liability risk in the return of e-scooters. It’s “take 3” for e-scooters in Cleveland. As COVID-19 lock-downs are gradually rolled back, Cleveland City Council passed legislation in early June of 2020 to return shared mobility devices to…

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Read more about the importance of a Certificate of Liability Insurance (COI). 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 the subcontractor to protect your business from loses and unforeseen expenses. The…

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Discover the impact COVID-19 may have regarding three factors affecting homeowner’s insurance. Learn how lifestyle changes resulting from COVID-19 may affect your homeowner’s insurance. Stay-at-home, COVID-19 directives have changed our lifestyles and routines. Homebound and “home sweet home” have taken on new meaning due to COVID-19. More homeowners are working from home and tackling projects…

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Learn about functional value as a potential alternative for older church buildings. Read why functional value may be a practical choice for older churches Generational shifts in church membership are real and widespread. With headcounts dropping and expenses maintaining at best, many churches are exploring options to cut costs. For those churches which qualify, the…

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