Blowin’ 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…
Read MoreElect Coverage for Workers’ Compensation
Depending on your role as an artisan contractor in Ohio, workers’ compensation may be optional. Ohio requires all employers with at least one employee to have workers’ compensation however you may be able to decline coverage as well. As the owner if you are a sole proprietor, partnership, limited liability company (LLC) acting as a…
Read MoreI Got Mail
Read about recent changes to my own homeowner’s insurance policy. Learn why the long-run stability of your homeowner’s insurance company is important. My homeowner’s insurance policy renewed recently, and I got IMPORTANT mail from my homeowner’s insurance company. The IMPORTANT mail focused on recent changes to my homeowner’s insurance policy, most of which apply to…
Read MoreBack to School, the Basics of Insuring your Investment Property
As a commercial property owner, safeguarding your investment is paramount. Real estate insurance provides the essential coverage to protect your property from unforeseen risks businesses face, which can encompass property damage, liability, business interruption, and specialized coverages like equipment breakdown. The scope of real estate insurance is broader than most personal insurance because businesses often…
Read MoreLook Out For … Or Be Without
Read why maintaining church property(ies) is a must for insurance purposes. Learn why a church might possibly receive a cancellation or non-renewal notice. Look out for your church property(ies). There is no practical way to avoid routine maintenance, scheduled walkarounds, and impromptu checks to assess the state of your church buildings. Churches that ignore or…
Read MoreWhat lies ahead in Employment Practices Liability Insurance?
In today’s rapidly changing business environment being aware of emerging risk is paramount. Employment Practices Liability Insurance (EPL)is an important tool for business-owners to be aware of as they manage risk in their business. The changing work landscape has created new exposures that you must be aware of. Marijuana Legalization – Ohio legalized recreational marijuana…
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