Many artisan contractors believe they are fully protected from liability losses for many reasons. But the standard Insurance Service Office (ISO) Commercial General Liability policy does not cover the named insured’s work or products. Contractors around Northeast Ohio register with many Cuyahoga County municipalities and must provide proof of Liability Insurance to complete the registration […]
Read about a new reality in the homeowners’ insurance market. Learn why homeowners’ insurance premiums are increasing across-the-board. We are experiencing a new reality that will have widespread consequences for all. This new reality is dramatic change, including premium increases, in the personal lines homeowners’ insurance market. It is being driven by another reality, which […]
Owners of multifamily housing are seeing an upheaval in their renewals this year if they are even being offered one! The multifamily and rental property industry has been facing a challenging market place for several years but this past year and the next 24 months may put many landlords out on the street without coverage. […]
Discover what some church camps are doing to remain financially viable. Learn some basic insurance and legal considerations regarding church camp changes. Church camp has always been very much for and about kids. This was true well before today’s refrain of “It’s for the kids. It’s all about the kids.” attained popularity, usually in reference […]
The Commercial Property Insurance landscape continues to shift, companies are leaving the marketplace, capacity is being reduced, minimum deductibles are being increased and premiums are going up. However, a not so obvious change is the adding of Warranty Clauses to the policy. What is a warranty in an insurance policy? They are statements made by […]
Learn about a Make-A-Wish® Northeast Ohio Halloween benefit coming soon. Read a few important insurance coverages non-profit organizations should consider. This Halloween, give more than candy and get much more in return. For the price of 10 bags of candy (give or take), your contribution helps transform the life of a critically ill child. […]
Hunting season is getting underway. As a farmer with a vast amount of land, you should fully understand the risk you expose yourself to when allowing hunting on your property. We’ll look at the risk involved for you as the landowner when hosting visiting hunters and hopefully answer some of your questions. Perhaps you are […]
Read a short list of activities that present liability risk for contracting businesses. Contractors are doers. They plan, build, deliver services, and are vital to both the local and larger economies. From the single handyperson to the specialized industrial parts supplier, contractors somewhere regularly engage in one or more of the following activities. Create Operate […]
Discover five property examples that investment property owners need to be aware of for insurance purposes. Learn why investment property owners should inventory their property. It is important for all investment property owners to inventory exactly what makes up their investment property. For insurance purposes, it is worth the owner’s time and effort to do […]
On average 1,300 church fires are reported each year, don’t become a statistic. With more than $40,000,000.00 in fire damage occurring in Churches each year, this is a great time to review some basic loss control items around your Church. Arson comprises 25% of church fires, 30% of church fires result from mechanical failures related […]
