Elect 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…
Read MoreOver the Hedge: Reduce Your Risk with Commodity Futures
You remember the commodity price boom during Covid, right? I’ll bet you do! You probably celebrated windfall profits during that time. Those years are in the past though, and now you’re most likely feeling the sting of low crop prices coupled with increased operating costs. How are you to properly manage the financial side of…
Read MoreMinding a Good Roof Overhead
Learn a new impact of bad weather on good business for licensed roofers. Read about a few changes in the property insurance market that affect claim payouts. For licensed roofing contractors, bad weather means good business. Until recently, property insurance companies routinely authorized the replacement of insured residential and commercial roofs damaged by wind or…
Read MoreBack to School Travel Safety Tips
To me summer is still in full swing but to Ellen my wife it’s winding down as her first teachers’ meeting is today! So, it is probably a good time to start thinking about some travel safety tips as students start heading back to school in Northeast Ohio. While safety tips for kindergartners and college…
Read MoreThe Needle is Spiking Upward
Learn why the needle is spiking upward in out-of-pocket insurance expenses. Read about changes in property insurance coverage that raise out-of-pocket expenses. By John Bouhall, CPCU It takes more than one wildfire, hurricane, or severe weather event to move the needle, and the needle is spiking upward. Property damage resulting from these perils is so…
Read MoreProtect Your Church From a Troubling Surge in Vandalism
Vandalism has occurred throughout Greater Cleveland’s Churches. From Annunciation Greek Orthodox Church in Tremont, to Immaculate Conception Church in Willoughby to St. Francis de Sales in Parma no area Churches are immune from this troubling trend. But what can a Church do? Locking your doors and walking away is not enough today and with more…
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