Loretta owns her own business, but unlike a typical brick and mortar store, she operates on wheels, delivering goods and services to the consumer directly. One afternoon Loretta is on the way to her next customer when suddenly she is rear ended by the driver behind her. Thankfully the damage is not overwhelmingly terrible and…

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2021 is around the corner and insurance companies are finalizing their underwriting plans for next year. What will this mean for owners of apartment buildings and rental units in Northeast Ohio? (read more) Be prepared for insurers to ramp up their inspections to ensure they are charging the proper rate for the exposure. Proper valuation…

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Everyone knows that winters in Northeast Ohio can be brutal, but contractors must continue to work. The least of which is the viability of the business; bills, payments on equipment, and other expenses do not stop when the warm weather ends. More importantly, the safety of your employees becomes even more important during the harsh…

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Discover why early detection warning systems are a win-win for churches and insurance companies. Read about accidental water loss frequency on church properties and risk mitigation. Churches and insurance risk management unite. Increasingly, church insurance is one sector of the commercial insurance market in which some insurance companies are preemptively requiring insureds that have a…

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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…

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Halloween is in the past now and the season’s officially upon us. You’re probably already busy planning for the holidays, and figuring out which loved ones you’ll be spending time with this year…that is unless you haven’t yet properly prepared your farm equipment for the Ohio weather that Old Man Winter will throw at us…

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Gino is buying a 14-unit apartment building that is structurally solid, but needs both maintenance and repair work. Three days ago Gino and Toby entered into a purchase contract in the amount of $300,000. Along with signing the purchase contract, Gino also put a $20,000 deposit down on the apartment building. Toby, the current owner…

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Winter in Northeast Ohio is right around the corner and many snow removal contractors are signing contracts for the 2020-2021 season. While revenue is of great concern during these unprecedented times, don’t forget to create a loss control program to reduce your insurance losses. Before the first snowfall take a digital picture of each client’s…

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During a heatwave, many systems are being worked to their limit. This heavy workload could cause a mechanical breakdown. Insurance for mechanical breakdowns/equipment breakdown can be purchased as a separate policy or as an endorsement to your commercial insurance policy, Equipment Breakdown: A standard policy will cover the following types of equipment. Electrical systems-Including electric…

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Discover a lighter view for families planning Halloween costumes during COVID-19 times. Read how masks easily fit into your family’s Halloween costume ideas. COVID-19 and Halloween can and will co-exist. “The Masks Have It” reflects upon Halloween 2020 with new eyes and imagination. The Masks Have It  Trick or treat Goblins replete Masks on scene…

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