blog
Moving on Up!
Recently, I wrote about a prospect in Rocky River who was purchasing her first apartment building. The prospect owns several single-family rental units and the discussion revolved around properly insuring the garage. It was confirmed that the garages must be listed on the declarations page when insuring apartment buildings on a commercial form. This difference…
Read MoreMoving Pieces and Parts. Automobile Insurance for Trade Contractors.
Learn about owned, non-owned, and hired automobile insurance for trade contractors. Read why trade contractors need more than business-owned automobile insurance. The main stage for trade contractors is the job site. Pieces and parts are routinely put together, either for repair, renovation, or new construction. Those pieces and parts don’t magically appear at job sites;…
Read MoreStoveTop FireStops
As the owner of rental properties, if you could reduce your economic loss by reducing the size of a cooking fire for approximately $50.00 per unit, would you do it? You can do this with a simple item call StoveTop FireStop. According to the National Fire Prevention Association (NFPA), a kitchen fire starts every 8…
Read MoreGet Your Summer Home Ready for Winter
Prepare your summer home for winter: Planning now could help you avoid damage next spring! I saw the school buses out this morning for the first time this year and had to remind myself no more right turns on red on the way to the office. (Ohio’s school bus stopping laws sounds like a topic…
Read MoreA Few Tips for the College-Bound
We all know that college is very expensive. Something you may not expect is an unanticipated accident or theft, not covered by your insurance policy. If you have a student heading away to college, such as Cleveland State, Baldwin Wallace, or John Carroll, below are a few tips to help you get the most out…
Read More1, 2, 3 Basics for Investment Property Owners of Individual Condominium Units
Learn three basic considerations for investment property owners of individual condominium units. Read a snapshot of insurance coverage recommendations for condominium unit investment property. Individual condominium unit ownership is a real thing in the realm of investment property. Some fall into it indirectly, such as via inheritance. Some directly decide to purchase a condominium unit…
Read MoreCommercial Insureds…Heads Up on Products/Completed Operations Liability
Whether your business is a large manufacturing or a small independent contracting, you have a Products/Completed Operations Liability exposure. This is a risk of doing business, and Commercial General Liability insurance provides protection for this exposure. Perhaps the easiest way to gain an understanding of Products/Completed Operations Liability is by example. Consider a business engaged…
Read MoreGive a Ring for Church Belltower Maintenance
Church steeples provide a unique landmark in towns and cities across the world. As unique as a steeple may seem, so is the maintenance that they need. Over the last six months the agency has suffered two large losses to church steeples, No, not lightning strikes (see our previous blog about lighting rods) or wind,…
Read MoreContractors Pollution Liability (CPL): Coverage against an Expensive Mistake
Contractors – do you need Pollution Liability coverage? Have you discussed the pollution exclusion in your General Liability policy with your agent? Contractor’s pollution liability (CPL) provides third-party coverage for bodily injury, property damage, clean-up expense, and defense expense as a result of your creation of a condition that is considered pollution. This condition can…
Read MoreWow! You STILL Want to Start a Horse Farm?
There’s more to know about starting a horse farm. Learn more about limiting your Equine Liability. Happy Monday, my friends! I didn’t mean to leave you hanging, but let’s be honest…you have other things going on in your life besides daydreaming about your horse farm and reading stuff on the internet, don’t you? WELCOME BACK!…
Read More
