Back-to-School and Pizza Days

Back-to-School and Pizza Days clipart car

Learn a few back-to-school commercial automobile liability insurance basics. Read three practical scenarios involving commercial automobile liability insurance. Schools are back in session, and pizza is on the menu. That means more business for some local pizza shops, and more pizza deliveries. Test your knowledge of automobile liability insurance by getting behind the wheel of […]

Excess Liability or Umbrella Policy – What Does Your Business Need?

Excess Liability or Umbrella Policy-what does your business need

Most General liability policies issued today have an occurrence limit of $1,000,000.00 or $2,000,000.00 and commercial auto policies typically have limits of $500,000.00 to $1,000,000.00, but is that sufficient in today’s litigious environment? As a business owner if you don’t feel these liability limits are adequate based on a myriad of variables an umbrella policy […]

Connect with an Independent Insurance Agent

Connect with an Independent Insurance Agent

Discover real value independent insurance agents add to commercial businesses. Read why commercial businesses should connect with independent insurance agents. No business is an island, as each one depends on vital connections. Independent insurance agents are a reliable and reachable connection for the needs of many commercial insureds. We are Independent for you, giving you […]

Is That Independent Contractor You Are Hiring Really an Employee?


Employment Practices Liability (EPL) claims are on the rise as companies reevaluate staffing levels and continue to outsource work, understanding how your EPL policy will respond is important.  The gig economy is full of freelancers or independent contractors who provide their services to a company or that company’s clients. These workers are often online platform […]

Home, Sweet Northeast Ohio, Home

Cleveland OH 1

Discover a personal connection between what’s accessible and commercial insurance. Read about five Northeast Ohio amenities that rely on commercial insurance. Ohio is home. I grew up in Northeast Ohio and have always worked here. Despite trends of an aging population and shrinking workforce, Northeast Ohio has much to offer residents, workers, and visitors. Take […]

308.6 Billion A Year-The Cost of Insurance Fraud

Insurance Fraud

The annual cost of insurance fraud to businesses and consumers is $3,860,000,000.00 in America according to The Coalition Against Insurance Fraud. The Coalition broke down the most common types of insurance fraud as follows; Life insurance: $74.7 billion Property & casualty insurance: $45 billion; auto theft fraud totaled $7.4 billion Health insurance: $36.3 billion Workers’ […]

Train and Maintain

Train and Maintain - Man in hard hat

Learn about equipment operator safety and maintenance of business equipment. Read about equipment maintenance checks important to protecting your business. Proper equipment maintenance is essential for workplace safety. Some businesses schedule planned shutdowns during which equipment is inspected and routine maintenance is performed. Planned shutdown or not, any business which involves the operation of equipment […]

Some Trains Need Waiver of Subrogation to Run

waiver of subrogation clipboard

Learn about subrogation and waiver of subrogation in commercial insurance. Read about the Waiver of Subrogation Endorsement/Clause and why your business may need it. Practically, and to a large extent legally, businesses need the protection provided through commercial insurance. The trains don’t run without proper commercial insurance in force. For some business sectors, a not-so-well-understood […]

Cyber Risk Immunity, Forget It – Adopt a Cyber Risk Resiliency Approach

Cyber Security Blog

Nobody is immune from cyber-attacks! In August 2021 T-Mobile had a total of 40 million subscriber, prospect, and former customer accounts hacked. The breach included names, driver’s license numbers, Social Security numbers, and device information. In 2020 SolarWinds, a provider of system management tools, was attacked using a supply chain of attack. This method inserted […]

Protect and Defend with Professional Liability/E&O Insurance

Protect and Defend

Read about Professional Liability/E&O Insurance and what types of businesses need it. Learn about Professional Liability/E&O Insurance, commonly written on a “claims-made” basis. Professional Liability Insurance is a type of commercial insurance that should be purchased by any business engaged in a profession. The business may be as small as a one-person sole proprietorship or […]