I had the opportunity to sit down with a prospect who was getting ready to purchase his first apartment building, a nice six-unit building in Rocky River, OH. The prospect has owned several duplexes and single-family homes, but this was a big dive compared to those. The prospect insured his other rentals with another agent…

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Protect your jobsite and equipment to protect yourself from unexpected costs! When my kids were in middle school, I would read the books they were being asked to read in school, and this week’s blog reminds me of the book “Hoot” by Carl Hiaasen. The story revolves around saving an endangered species of burrowing owl…

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Firepit safety checklist Don’t get burned by your firepit As Covid-19 has changed my social life, sitting around the fire pit on a Saturday evening has become a normal event for me. After using the pit for the last time on Halloween, I covered it and put it away for the season. When I took…

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Buying a Car for Your Grad? Here’s What to Keep in Mind If someone important to you is graduating from, let’s say Westlake High School or Cleveland State University for example, and you’ve decided to reward them with a car (or help him/her purchase one, at least), consider these tools and tips to help you…

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Learn why vacant land investment property owners need General Liability insurance. Read about liability exposure associated with vacant land investment property. Raw land is the original investment property, as land has always had value. For some investment property owners, land is the investment of choice. For others, it may be new territory. Any investment involves…

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Whether your church stained glass windows are 300 years old or 30 years old, they need care. Inspection with your own eyeballs is a common sense starting point. Include it on your annual chores checklist to ensure your church’s stained glass windows continue to radiate the light of day. Note that while your goal is…

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Don’t let the excitement of reopening your camp override your concerns for following safety protocols. Last year, Covid-19 shut down most church camps, but based on the availability of vaccines and testing, many are considering reopening this summer. It will not be business as usual. New considerations must be addressed. Will all staff need to…

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BYOB is a success story for businesses all over America. The custom skills and tools, combined with demand for people capable of applying them practically, make for promising careers in the vast field of independent contracting. Whether you are a tree trimmer, builder, plumber, carpenter, electrician, mason, floor installer, painter, or general handyperson, BYOB may…

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Read how COVID-19 may impact your business’ commercial general liability premium. Learn why commercial general liability insurance premiums may fluctuate due to COVID-19. Gross sales. Gross receipts. Gross payroll. Three key indicators businesses consider when establishing operational goals and measuring operational success. Without sales and receipts, your business cannot make payroll. These three indicators are…

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Accidents happen. Even small businesses and small contractors need added protection against catastrophic liability loss. Consider a hypothetical scenario in which Handyman Hal is going about his usual daily business of contractor remodeling. Hal runs out of drywall tape on the job. While driving to the local hardware store to purchase additional tape for the…

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