Is the Time Right to Purchase an Apartment Building?
Is this the time to jump into the commercial real estate market and purchase an apartment building in Greater Cleveland? While real estate prices in Cleveland remain fairly affordable there are signs that 2025 may see price increases faster than the national average. For investors many markets have priced themselves out of range for new…
Read MoreThou Shalt Not Steal
Read why churches and religious entities need to know about copyright law. Learn that “thou shalt not steal” applies to your church’s use of creative content. The 8th commandment of the Bible is simple and straightforward. Everyone reading this is familiar with it and knows not to steal. However, when the subject of stealing veers…
Read More81055 Reasons Why Your Business Needs Employment Practices Liability Insurance
Every business in Northeast Ohio that has employees or customers is exposed to potential employment practices liability claims. In the year ending December 31 2023 the Equal Employment Opportunity Commission (EEOC) stated there were 81055 charges against employers for discrimination that is more than 220 claims every day. However, according to ISO MarketStance only 4%…
Read MoreIs Your Farm Ready for Winter?
Winter-Specific Insurance Considerations for Farmers With the early finish to this year’s harvest, it’s time to shift our focus temporarily before heading into the winter weather that accompanies living in Ohio. Ohio winters are always volatile, comically varying from 50 degrees one day to -15 the following. While you may disagree following this past week,…
Read MoreLights. Camera. Action. Gotcha!
Learn about using affordable technology to mitigate loss to trade contractors. Read some practical suggestions that may benefit your trade contracting business. Perception and greed. Intriguing movie themes, as well as real life motivators. With that in mind, this blog rolls out three hypothetical takes focused on a particular aspect of the daily operation of…
Read MoreBlowin’ In The Wind
This has been a beautiful fall in Northeast Ohio warm weather and not a lot of rain but the winds have been howling, garbage cans blown around leaves everywhere and a couple of large trees in my neighborhood have been blown over. So, does insurance cover fallen trees? Homeowner’s insurance covers the cost of damage…
Read MoreI’m Bullish on Ohio
Discover statistics worth consideration by Ohio investment property owners. Read a few highlights about Ohio that are favorable for investment property owners. Cleveland, Ohio is home to me. Sure, it gets old rooting for the Browns, dodging potholes, and navigating ice and snow. Those are minor downsides compared to the upsides. While I’m no “expert”,…
Read MoreElections and Politics in your Church
As I was driving back to the office last week I passed a Church with a lot of political signs in their front yard. That made me think about a blog I had written 8 years ago regarding the separation of church and state and some of the pitfalls that can befall a Church if…
Read MoreKnow About D&O Liability
Learn about potential D&O liability exposures for both for-profits and non-profits. Discover some differences in D&O Liability policy wordings that impact coverage. Liability. A single word that bears a lot of weight. Whether you own or manage a business or non-profit, you have liability exposures. A General Liability insurance policy is a must, but its…
Read MoreStop Throwing Your Money Away on Insurance
Life is unpredictable, and the best way to defend yourself against unforeseen losses is through an adequate protection plan for your farm and your family. 66% of Americans are underinsured, leaving them unable to fully protect their assets and financial well-being. I get it, the savings you get from having lower premiums looks great on…
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