Uninsurable: From Straightforward to Up in the Air
Commercial insurance is fundamental to the financial health and stability of modern economies. At its core, a business insurance policy is a method of risk transfer from the commercial policyholder to the insurer. The terms of the risk transfer are contractually defined by the terms, conditions, and limits of the insurance policy. However, not all…
Read MoreWho Does Your Farm Insurance Policy Cover?
When was the last time you sat down and read the lengthy, confusing, and if we’re being honest, quite boring, pages of your farm insurance policy? Thought so. You don’t have time to devote to poring over insurance language pages. Yet those sheets contain invaluable information you may want to know – for example, who…
Read MoreDon’t Take It All On, Transfer Risk to Your Subcontractors
Working with many Artisan Contractors, I have learned it is often necessary for them to subcontract out parts of a project. There are several key points to address when you hire a subcontractor to protect your business from loss and unforeseen expenses. Several of the key points as to why a Certificate of Insurance is…
Read MoreYikes for Electric Bikes!
Learn why electric bicycle owners need specific property and liability insurance. Read about standard insurance coverage restrictions applicable to electric bicycles. Electric bicycles are gaining traction with outdoor enthusiasts. Within the last two weekends alone, I’ve noticed several people riding them on the paved paths throughout the Cleveland Metroparks. Because of the pedal-assist and throttle…
Read MoreWhy Are the Values of My Buildings Going up Faster Than Inflation?
Over the last 18 months I have heard time and time again that the increase in my apartment, strip center or office building’s value(s) is/are being increased too much. These unverified statements can create issues at renewal if they are not addressed beforehand. What is driving higher than normal building value increases? A number of…
Read MoreSeal it with a Legal Covenant
Learn why churches should have written use agreements with outside parties. Read a few suggestions churches may consider including in a written use agreement. What’s happening this week at your church other than Sunday worship, youth ministry, and weekly Bible study? If at any time an outside group is permitted to use church property, your…
Read MoreKeeping the Food Safe When It Is on the Road
The Lakewood or Beachwood Truck Park, The Yard on 3rd in Willoughby or South Euclid’s Food Truck Park, it does not matter where they are, Northeast Ohioans love their food trucks! Prep work may be done at a brick-and-mortar restaurant, a food incubator or a ghost kitchen but food safety can be tricky for a…
Read MoreFile Your BOI for Your Farm Entity
Farming is a business. As such, perhaps you’ve organized under the veil of an LLC or Corporation. While operation under one of these entities is usually recommended for your farm, due to the passage of the Corporate Transparency Act, those with ownership stakes in small entities must file a Beneficial Ownership Information report moving forward,…
Read MoreCLE Projects Showcase Skilled Contractors, Labor, Employment
Learn about recent upgrades to Progressive Field by skilled tradespeople. Read why skilled trade contractors are valuable to our hometown Cleveland. Last month’s home opener at Progressive Field showcased more than a win for the Cleveland Guardians. It was a clear and positive visual of the completion of the first phase of Progressive Field upgrades…
Read MoreDon’t Be Beat By The Heat!
Warmer weather is just around the corner for Northeast Ohio and now is the time to get your central air conditioning system ready. Most homes in Greater Cleveland use as split system. Split systems are sealed and pressurized and use circulating refrigerant to create the cooling for your home. Keeping your system running properly starts…
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