blog
Personal Risk vs. Return: A New Dimension to E-Scooter Use
Learn why e-scooter users need special insurance beyond homeowner’s and personal auto insurance. Read why there is personal liability risk in the return of e-scooters. It’s “take 3” for e-scooters in Cleveland. As COVID-19 lock-downs are gradually rolled back, Cleveland City Council passed legislation in early June of 2020 to return shared mobility devices to…
Read MoreThe Importance of Certificates of Insurance
Read more about the importance of a Certificate of Liability Insurance (COI). 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 the subcontractor to protect your business from loses and unforeseen expenses. The…
Read MoreHome Sweet Homeowners
Discover the impact COVID-19 may have regarding three factors affecting homeowner’s insurance. Learn how lifestyle changes resulting from COVID-19 may affect your homeowner’s insurance. Stay-at-home, COVID-19 directives have changed our lifestyles and routines. Homebound and “home sweet home” have taken on new meaning due to COVID-19. More homeowners are working from home and tackling projects…
Read MoreWhat’s It Worth to Us?
Learn about functional value as a potential alternative for older church buildings. Read why functional value may be a practical choice for older churches Generational shifts in church membership are real and widespread. With headcounts dropping and expenses maintaining at best, many churches are exploring options to cut costs. For those churches which qualify, the…
Read MoreBed Bugs: Another Liability Exposure?
Bed Bugs, an unseen liability risk. I received a frantic call from an apartment owner late last Monday that one of his east side Cleveland apartments had bed bugs, and is he liable for the damage they may cause to his tenants. I said I would look into it, but in the meantime call the…
Read MoreCrafting a Solid Insurance Program for Owners of Apartment Buildings
As the owner of an apartment building in Northeast Ohio, you want a well built, solid building. As local insurance agents, we want to build a solid property and liability insurance program for you. As the owner of an apartment building in Northeast Ohio, you want a well built, solid building. As local insurance agents,…
Read MoreLove Thy Neighbor, COVID-19-Style
Learn fundamental truths about COVID-19 and the impact on church re-openings. Read rhythm to help your church adapt to COVID-19’s changing rhythms. COVID-19 headlines. Government guidelines. Vaccine timelines. Churches, like everyone else, are struggling to make sense of all these “lines.” Today, June 1, 2020, is as good a time as any for your church to…
Read MoreReady Reference for Recreational Boatowners
Read about key factors to consider when purchasing personal boatowner’s insurance. Learn why many recreational boatowners should obtain boatowner’s insurance. The hot days of summer have started recently, a whistle call for recreational boaters. With Lake Erie nipping the full expanse of Ohio’s northern footprint, area boaters are drawn to this natural waterpark like a dog…
Read MoreTime Is Of The Essence
Read key elements about reporting business and commercial insurance liability claims. Learn why time is crucial in reporting business and commercial insurance liability claims. Last month’s blog, “Protect Your Interests with R E P O R T,” provided a framework for business and commercial insureds with respect to reporting property losses. Today’s blog focuses on…
Read MoreConstruction Contractors Restart Ohio!
On Monday, May 4th 2020, non-essential construction contractors were able to return to work in Ohio. While many artisan contractors were considered essential during Ohio’s stay at home order, many plumbers, electricians and carpenters chose not to work due to the lack of guidance provided by the state. Now, the State has put out guidelines…
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