The celebration of the life and legacy of Martin Luther King Jr. carries a different weight amidst the changes and difficulties of the past year. We’ve heard it said that we are living in “unprecedented times,” to describe the challenges of 2020 — challenges spanning across political division, racial inequities, and changes for small businesses…

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Learn how your family can enjoy staying at home through the remaining 2020 holiday season. Read a special 2020 holiday poem about staying home during extraordinary COVID-19 times. ‘Twas three weeks before New Year’s, when all through the house Computers were clicking by touch of a mouse. The family was busy doing its best, In…

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Discover a lighter view for families planning Halloween costumes during COVID-19 times. Read how masks easily fit into your family’s Halloween costume ideas. COVID-19 and Halloween can and will co-exist. “The Masks Have It” reflects upon Halloween 2020 with new eyes and imagination. The Masks Have It  Trick or treat Goblins replete Masks on scene…

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Learn why auto telematics involves more than “plugging in” for personal lines auto insureds. Read about the use of auto telematics in rating personal lines auto insurance. We live in the Information Age. Round-the-clock communication is the new “plugged in”. Devices are connected and share data in real time. Auto telematics is a means of…

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Forty-six states including Ohio have instituted comparative or modified comparative negligence laws to determine who is at fault in a car accident involving two or more vehicles. (read more) To better understand comparative negligence, a quick history lesson of contributory negligence may help. Still used by four states and the District of Columbia to determine…

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We all have aging parents, siblings, relatives or friends that may need our help as they age. Some events in our lives may trigger the involvement of probate court.  The probate courts oversee the proper settlement of estates and management of guardianship. Let our Q & A section help you understand the process. What are…

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Learn why e-scooter users need special insurance beyond homeowner’s and personal auto insurance. Read why there is personal liability risk in the return of e-scooters. It’s “take 3” for e-scooters in Cleveland. As COVID-19 lock-downs are gradually rolled back, Cleveland City Council passed legislation in early June of 2020 to return shared mobility devices to…

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Discover the impact COVID-19 may have regarding three factors affecting homeowner’s insurance. Learn how lifestyle changes resulting from COVID-19 may affect your homeowner’s insurance. Stay-at-home, COVID-19 directives have changed our lifestyles and routines. Homebound and “home sweet home” have taken on new meaning due to COVID-19. More homeowners are working from home and tackling projects…

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Read about key factors to consider when purchasing personal boatowner’s insurance. Learn why many recreational boatowners should obtain boatowner’s insurance. The hot days of summer have started recently, a whistle call for recreational boaters. With Lake Erie nipping the full expanse of Ohio’s northern footprint, area boaters are drawn to this natural waterpark like a dog…

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Prepare for the weather by ramping up your standard Homeowners’ Insurance policy. April showers bring May Flowers. But what does April’s other temperamental weather bring to your home? From spring thaws to hail to tornadoes and flooding, ensure that your home insurance covers the potential damages caused by spring weather. Your Standard homeowners’ insurance policy  (HO-3)…

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