Look 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…
Read MoreUninsurable: 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…
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