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…

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As a farmer, you’ve worked tirelessly to grow a successful operation. As such, you’re well-deserving of a protection plan that meets your needs. Wouldn’t you agree? Isn’t it difficult to know which insurance carrier is truly worthy of your hard-earned dollars every year? You want a company that has your best interest in mind, a…

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Discover why it is important for trade contractors to pull permits before beginning a job. Read a few potential consequences of failing to properly pull trade contractor permits. Fresh air and renewed gusto are springtime trademarks in Northeast Ohio. We feel excited and energetic for sprucing up and change. Usually, this is the start of…

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In the past auto insurance rates were based on factors such as the drivers age, your driving history (based on your motor vehicle report MVR) location and your insurance score (a credit-based tool used to assess risk). Insurtech has changed that! Usage-based Insurance (UBI) starts with the use of a monitoring device that is typically…

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Discover a back-to-basics approach to weigh investment property decisions. Learn the potential benefit of visualization when investing in an investment property. From the constant pings and beeps of our electronic devices to fingertip access to information, we can easily get lost in an always-on, out-of-control world. Going back to basics is helpful to calm our…

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According to the Insurance Information Institute 30% of all church fires are started by lightning strikes. With that in mind why don’t more churches use Lightning Rods to prevent damaged caused by lightning?  Lightning Rods originally developed by Benjamin Franklin in the mid 1700’s still offer an effective method to divert the energy of a lightning…

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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…

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As a farmer, you own a great deal of land. Did you know that oftentimes, some of that land can be more valuable to you taken out of production? Today we’ll discuss the Conservation Reserve Program (CRP) and how you could benefit from enrolling your environmentally sensitive land in CRP. One of the largest private…

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Working with many Artisan Contractors, I have learned it is often necessary for them to subcontract out parts of a project.  There are several key points to address when you hire the subcontractor to protect your business from losses and unforeseen expenses. The limits of liability required by the subcontractor should be in writing and…

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Learn that short-term rental of a homeowner’s residence involves more than making money. Read a few scenarios that are not covered by the typical homeowner’s insurance policy. The neighbors are doing it. Your friend is doing it. It’s so popular, even Grandma down on the old farm is doing it. Doing what? They are all…

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