Apartment Owner’s Insurance 102
Basic insurance topics for a Landlord were addressed a few weeks ago in my blog “Crafting a Solid Insurance Program for Owners of Apartment Buildings.” A new semester is starting (read more) The previous blog addressed property insurance including business income, general liability insurance, equipment breakdown, crime insurance and auto insurance. However, the owner of…
Read MoreWhen Is a Window More Than Just a Window?
Stained glass windows do so much more than keep the weather out and let light in. The soothing colored light that reflects through your stained glass windows provides your Church, Temple or Mosque with a calming and reverent atmosphere that has a very real emotional impact on your church members, friends and visitors alike. Your…
Read MoreWhen Are Contents Part of My Policy Coverage?
My friend, Joe, was informed by a tenant in one of his buildings early Sunday morning that a burglar broke into the apartment building and had stolen money from the coin operated washers and dryers. Not only was the door and doorjamb broken, but the damage to the washers and dryers was severe and a…
Read MoreMemorial Day Reflection
What does Memorial Day mean to you? To me, Memorial Day means the beginning of summer. It also means getting a chance to spend time with family and friends. This may not be the case for all people, however. For most people, Memorial Day is spent outdoors, enjoying some delicious barbecue with the people they…
Read MoreDo You Believe in Life After Death? Part Two
Learn how members of struggling mainline Protestant churches may find closure. Read practical suggestions for members of declining mainline Protestant churches. Part One of this blog appeared last month. I introduced the subject of mainline Protestant churches in the United States struggling to survive. Part Two acknowledges that while many of these churches continue in…
Read MoreYour Church Steeple is More Than a Landmark
Churches and non-profit organizations like yours have some very unique insurance needs. Important protection is required for your organization that others don’t have to worry about. Your mission often times is to help people who have been affected by disaster. How can you help others if you cannot recover from a disaster yourself? Take your…
Read MoreDon’t Get Blown Away by a Cyberattack
Read why your business should proactively address the real threat of a cyberattack. Learn the role cyber security and cyber insurance play in risk management. Cyberattacks are the fastest growing crime in the country. Every entity, organization, business, or individual that is connected to the Internet is a potential target. For those reading this, that…
Read MoreActual Cash Value (ACV) vs. Replacement Cost Insurance
Small and medium size business (SMB) owners have a multitude of responsibilities and concerns with running their own business. I understand your concerns because I own a business too. And if you own the commercial property your business is in you have (at least) two businesses to worry about. One of the most important decisions…
Read MoreStop Backover Accidents in your Commercial Auto Fleet
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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