Bed Bugs: Another Liability Exposure?
Bed Bugs, an unseen liability risk. I received a frantic call from an apartment owner late last Monday that one of his east side Cleveland apartments had bed bugs, and is he liable for the damage they may cause to his tenants. I said I would look into it, but in the meantime call the…
Read MoreCrafting a Solid Insurance Program for Owners of Apartment Buildings
As the owner of an apartment building in Northeast Ohio, you want a well built, solid building. As local insurance agents, we want to build a solid property and liability insurance program for you. As the owner of an apartment building in Northeast Ohio, you want a well built, solid building. As local insurance agents,…
Read MoreLove Thy Neighbor, COVID-19-Style
Learn fundamental truths about COVID-19 and the impact on church re-openings. Read rhythm to help your church adapt to COVID-19’s changing rhythms. COVID-19 headlines. Government guidelines. Vaccine timelines. Churches, like everyone else, are struggling to make sense of all these “lines.” Today, June 1, 2020, is as good a time as any for your church to…
Read MoreReady Reference for Recreational Boatowners
Read about key factors to consider when purchasing personal boatowner’s insurance. Learn why many recreational boatowners should obtain boatowner’s insurance. The hot days of summer have started recently, a whistle call for recreational boaters. With Lake Erie nipping the full expanse of Ohio’s northern footprint, area boaters are drawn to this natural waterpark like a dog…
Read MoreTime Is Of The Essence
Read key elements about reporting business and commercial insurance liability claims. Learn why time is crucial in reporting business and commercial insurance liability claims. Last month’s blog, “Protect Your Interests with R E P O R T,” provided a framework for business and commercial insureds with respect to reporting property losses. Today’s blog focuses on…
Read MoreConstruction Contractors Restart Ohio!
On Monday, May 4th 2020, non-essential construction contractors were able to return to work in Ohio. While many artisan contractors were considered essential during Ohio’s stay at home order, many plumbers, electricians and carpenters chose not to work due to the lack of guidance provided by the state. Now, the State has put out guidelines…
Read MoreSafe Drivers = Premium Savings = Increased Profits
Would you allow someone with little or no prior experience to operate a 100,000 piece of machinery? If not, why would you allow someone who has several speeding tickets and a couple at-fault accidents in the last three years to drive your new $80,000 truck in heavy urban traffic? The majority of auto accidents are…
Read MoreSpring Additions to Include in your Homeowners’ Insurance Policy
Prepare for the weather by ramping up your standard Homeowners’ Insurance policy. April showers bring May Flowers. But what does April’s other temperamental weather bring to your home? From spring thaws to hail to tornadoes and flooding, ensure that your home insurance covers the potential damages caused by spring weather. Your Standard homeowners’ insurance policy (HO-3)…
Read MoreClean Up or Pay Up
Discover how inattention to proper clean-up could impact a business’ third-party liability. Read a scenario in which “clean up or pay up” could potentially apply to a commercial business. Whether you read it, hear it, or say it, there is definitely a common-sense ring to the phrase, “clean up or pay up.” It’s a first-party…
Read MoreKnock, Knock. Who’s There?
Learn how the vacancy clause impacts your investment property insurance coverage. Read about potential scenarios involving vacant investment property. Knock, knock. Who’s there? Investment property vacancy. Building vacancy increases the likelihood of property loss. Vacancy and delay in discovering loss or damage go hand-in-hand. In turn, delayed discovery easily results in further damage and/or deterioration…
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