For the past month the agency has been dealing with a cyber attack to our partner’s at SonicWall. This forced us to pivot and find another provider to protect our network!  While we did not sustain a direct loss, the lost productivity and the time to migrate to the new system were very disruptive. I…

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Discover a sightseeing adventure with a general interest insurance hook.   Learn about the critical role common sense safety plays in risk management. It’s summertime. A time to “get away”, recharge, do something new. On that cue, I’ll start with a few warm-up questions and answers. Next, I’ll transition to a liability insurance and risk…

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Running a business comes with many responsibilities, and one of the most crucial is ensuring your physical assets are well-protected. According to the Federal Emergency Management Agency, 40% of small businesses never reopen after experiencing a significant disaster, highlighting the critical need for commercial building insurance. This coverage safeguards your property against various risks and provides…

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Learn about different types of commercial insurance applicable to restaurants. Read some practical applications pertaining to commercial insurance for restaurants. As restaurant owners and managers, you know what’s on the food and drink menu. But do you know what’s on the menu of insurance coverages protecting your restaurant business? Depending on the size and type…

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Every business in Northeast Ohio that has employees or customers is exposed to potential employment practices liability claims. In the year ending December 31 2023 the Equal Employment Opportunity Commission (EEOC) stated there were 81055 charges against employers for discrimination that is more than 220 claims every day. However, according to ISO MarketStance only 4%…

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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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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…

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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…

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Learn what is driving upheaval in the commercial property insurance market. Read about three restrictive changes being made to commercial property policies. Upheaval is the word for 2024. While the precise definition varies among dictionaries, upheaval involves major change or disturbance that causes conflict, difficulty, confusion, anger. We are surrounded by, and in some ways,…

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There are many reasons commercial auto rates are rising and as a business-owner you can control some of them. Inexperienced Drivers-A shortage of drivers caused by high demand, a retiring workforce and drivers leaving the industry. This turnover has put the industry in flux. As hiring standards are lowered more accidents are going to occur.…

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