The holiday season, particularly the week of Christmas, is always a time of packing the pews. While more visitors and out-of-town guests provide extra fellowship and church life activity, the spike in auto and foot traffic may bring in added risk. Church pastors, administrators, and members alike should be mindful and vigilant to safeguard people…

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Do you own a collector or antique automobile? A collector car is considered a car over 10 years old and maintained or restored by a hobbyist because of rarity or historic interest.  Antiques are over 25 years old. After what seems like a lifetime of saving and searching, you have finally found the antique or…

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In the last month, AM Best and Fitch (companies that provide financial data products in the insurance industry), national consultants Willis Towers Watson, AON, and others have all echoed the fact that rates are going up and will continue to rise in 2020. Price increases in automobile insurance were discussed in an earlier blog, but…

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The holiday season is a busy time for bars and restaurants, you may be catering to larger groups that are not your usual clientele, but do not let your guard down and make sure all of your employees are following your procedures for responsible service, sale, and consumption of alcohol. As the owner of an…

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Thanksgiving is the festive time of year when we gather our loved ones to share in more than just gluttony, but in gratitude, in being intentionally thankful for all the good things in our lives. There is tradition and there is novelty, but at the heart of this treasured holiday is this sense of thankfulness.…

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Your church is well-maintained and a beehive of activity, with people constantly buzzing around. Recently, it has had three slip and fall claims that have been paid out under the Medical Payments Coverage section of the church’s insurance policy. John, your insurance agent, has called the church to advise that this claim frequency is causing…

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Learn why distracted driving is putting upward pressure on automobile insurance rates. Read a few basics about distracted driving and distracted driving laws. Distracted driving is a growing public safety problem. Always being “on” or “on the go” is dangerously turning “off” safe driving habits. From the morning cup of coffee on the drive into…

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George, the contractor, has more than 20 years of experience in his craft although navigating the insurance part of his business can sometimes still be foggy. No business is able to run without some bumps and after a few unpleasant customer experiences, George decides to contact his trusty insurance agent to see what actions can…

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Winter and freezing temperatures are forecast to roar back into Northeast Ohio in the next 24 hours or so, but there is still time to get out and complete a few simple tasks to help protect your property. You may also discover additional items that need improvements for next year and beyond. We all know…

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