March marks National Women’s History Month, a month dedicated to the contributions and legacies of women. It would be remiss of us to not recognize the women who make up our own field. The insurance industry is a women-dominated field, making up about 60% of the workforce each year. The kicker is women are underrepresented…

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Northeast Ohioans who operate independent businesses from home are a diverse population from stay-at-home parents to semi-retirees. Some are budding entrepreneurs, and some are earning money doing what they love to do. The bottom line is home-based businesses generate business income. The standard homeowner’s insurance policy covers some business personal property, but it excludes any…

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Read about the business of business and commercial insurance you never knew. Learn why specialty lines, E&S, commercial insurance exists. Own a car? Ride in a car? Use public transportation? Take any prescription medications? Fly on an airplane? Ever been up, up, and away on a hot air balloon? Many of us can check off…

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Every employer regardless of size should have a plan in place to handle emergency situations just like every family should. The following are six tips you should think of when putting your plan together. Remind people of the plan periodically. Share information with new people. And hold an occasional drill so that any issues can…

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Jim’s shop is a thriving retail business that almost wasn’t thriving any longer. Jim received a call from his bank that his business checking account was overdrawn and they were transferring money from his savings account to cover a $4,300.00 overdraft. Jim never overdraws his account! He may not check balances regularly but he always…

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As the owner of a business, this is a great time to look ahead and make some New Year’s Resolutions as well as review and update your records. Below are some items to consider at the start of 2020. Review your insurance coverage. New coverage regarding cyber-security and workplace violence has become necessary coverage for…

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In the last month, AM Best and Fitch (companies that provide financial data products in the insurance industry), national consultants Willis Towers Watson, AON, and others have all echoed the fact that rates are going up and will continue to rise in 2020. Price increases in automobile insurance were discussed in an earlier blog, but…

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The holiday season is a busy time for bars and restaurants, you may be catering to larger groups that are not your usual clientele, but do not let your guard down and make sure all of your employees are following your procedures for responsible service, sale, and consumption of alcohol. As the owner of an…

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In many small businesses, one of the partners or shareholders may drive the bulk of the revenue to the business. This does not diminish the importance of the other partners or shareholders but it can create a huge problem if that person becomes disabled. A little known but great benefit to protect income for a…

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Read about the value of an independent insurance agent to start-ups and newly acquired businesses. Discover why an independent insurance agent is the value-added resource for commercial insurance. Hopes. Plans. Expectations. We’ve all got them in some form or another. 2020 is on the horizon. Are you thinking ahead, making plans, perhaps envisioning your own…

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