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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Learn about your potential liability exposures. Like many farmers, you are planning to sell your crops at your local farmer’s market this season. How well does your current farm insurance program cover your liability exposure in that endeavor? Have you added retail exposure the farmer’s market? When selling your fruits, vegetables, meats, or jarred items…

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Today’s topic approaches your church’s stained glass windows from another perspective, that of valuation. What are they worth, particularly if you ever need to replace them? A blog cannot address every possible element in evaluating the replacement cost of stained glass. The following baseline points are meant to help you become more familiar with a…

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Every spring many artisan contractors in Greater Cleveland come out of hibernation and are ready to get back to work. Every spring, many artisan contractors in Greater Cleveland come out of hibernation and are ready to get back to work. But before they get going, they better make sure they have contractor’s insurance. The top…

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Spring is upon us and it seems like there are Artisan Contractors everywhere. Today in the parking lot I saw two heating ventilation and air conditioning (HVAC) trucks and roofers inspecting the building across the street. With all of this work all of a sudden, you can’t lose sight of on the job safety. Safety…

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Discover why a special insurance policy is recommended for electric bicycle users. Read about coverage gaps in personal lines insurance before riding an e-bike. You’ve heard the expression, “You say po-tā-to, I say po-tä-to.”. Consider the different meanings it conveys. The simplest understanding is that a potato is a potato. Same word, different pronunciation, same…

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Learn why bringing back church socials may be positive for your church. Read five suggestions to bring back church socials. What exactly is a church social? You won’t find the term “church social” in the Bible or in Merriam-Webster’s dictionary. So, what is a church social? For the purposes of this blog, I’ll exercise creative…

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Buildings built before 1978 may contain lead that was used in both interior paint and exterior paints how does Insurance address this? Greater Cleveland is alive with new apartment construction! There is building activity from Intro across from the Westside Market to Treo near the Duck Island neighborhood to the Ascent at the Top of…

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In many small businesses, one of the partners or shareholders may drive the bulk of the revenue to the business. This does not diminish the importance of the other partners or shareholders but it can create a huge problem if that person becomes disabled. A little known but great benefit to protect income for a…

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Read briefly about the Christian religious season of Lent followed by a new prayer. Discover a new prayer for Lent. Lent is a season of repentance in the Christian Church commemorating Christ’s fasting in the wilderness. Many Christians traditionally give up something during Lent, as a sacrifice intended to focus less on self and more…

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