When we review clients’ auto policy renewals, if their vehicle is around 10 years old, we often suggest that they think about whether they still want to carry “full” coverage (or what we refer to as including Comprehensive and Collision along with their required liability coverage). The auto policy will cover repairs to your car…

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Read about four main commercial insurance coverages for condominium associations. Learn why condominium associations need commercial insurance. Commercial insurance for condominium associations is a real thing, not to be confused with personal condominium owner’s and renter’s insurance. The differentiation is in who owns what, and who is responsible for what. This blog is limited to…

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Employee dishonesty and theft can put your business at a higher risk than normal. Jim’s shop is a thriving retail business that almost wasn’t thriving anymore. 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…

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Read about Insurance Coverage you should have for your Horse Farm, Part 1 Learn about Horse Farm Insurance. Many Equine enthusiasts take their passion for horses to the next level and start their own farms. Are you one of those people? As with any other business, a horse farm comes with risks of its own,…

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This week’s blog was supposed to discuss certificates of insurance and what is needed to prepare one properly and efficiently for the agency’s artisan contractors. However, that all changed when I read my former college roommate’s Facebook post this week. Doug posted on Facebook that he had two quarter size malignant skin cancer lesions removed…

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Transfer risk to your sub-contractors! Working with numerous 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 a subcontractor to protect your business from losses and unforeseen expenses. Several of the key points as to why…

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Church socials, or a close cousin thereof, are making a comeback. What a great way to promote fellowship and fun, especially during summer. Some churches keep it simple with an outdoor picnic following worship. More adventurous planners may opt for a full afternoon of fun outside. Are you thinking sunshine, the beach, and perhaps splashing…

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You are now ready to purchase your first investment property, but before you do, consult before you buy!  You have contacted your attorney to create the structure that is going to own the building, whether it is an S-Corporation, an LLC, or a partnership. You are working with your accountant to calculate cash flows and accounting…

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Read current trends related to windstorm/hail in the Ohio homeowner’s insurance market. Learn why and how windstorms and hail affect homeowner’s insurance coverage in Ohio. In Ohio, windstorm or hail is an insured peril under the standard homeowner’s insurance policy. Importantly, Ohio is one of several states in which these two weather events are on…

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Proper planning prevents a potential property loss in the event of unwanted water damage. You have to have a plan. Game plan. Savings plan. Retirement plan. Plan B. Autopilot only works when a flight plan is engaged. Even well-considered plans need adjustments. Suffice it to say, “stuff happens.” If you are a homeowner, house flipper,…

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