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Safe Drivers = Premium Savings = Increased Profits
Would you allow someone with little or no prior experience to operate a 100,000 piece of machinery? If not, why would you allow someone who has several speeding tickets and a couple at-fault accidents in the last three years to drive your new $80,000 truck in heavy urban traffic? The majority of auto accidents are…
Read MoreSpring Additions to Include in your Homeowners’ Insurance Policy
Prepare for the weather by ramping up your standard Homeowners’ Insurance policy. April showers bring May Flowers. But what does April’s other temperamental weather bring to your home? From spring thaws to hail to tornadoes and flooding, ensure that your home insurance covers the potential damages caused by spring weather. Your Standard homeowners’ insurance policy (HO-3)…
Read MoreClean Up or Pay Up
Discover how inattention to proper clean-up could impact a business’ third-party liability. Read a scenario in which “clean up or pay up” could potentially apply to a commercial business. Whether you read it, hear it, or say it, there is definitely a common-sense ring to the phrase, “clean up or pay up.” It’s a first-party…
Read MoreKnock, Knock. Who’s There?
Learn how the vacancy clause impacts your investment property insurance coverage. Read about potential scenarios involving vacant investment property. Knock, knock. Who’s there? Investment property vacancy. Building vacancy increases the likelihood of property loss. Vacancy and delay in discovering loss or damage go hand-in-hand. In turn, delayed discovery easily results in further damage and/or deterioration…
Read MoreKeeping Your Tenants Safe and Avoiding Liability
Keeping it safe As the owner of an apartment building in Northeast Ohio, you are responsible for the safety of your tenants. While your liability insurance may provide coverage for your negligence if a tenant is assaulted or there is a break-in, having a security action plan will help you avoid these traumatic situations. Some…
Read MoreGiving Online During Covid-19 or Lifestyle Changes
Over the last month, most church services stopped being held en masse but have moved to online via various apps and programs. During this time has your church done anything to move its giving to online or direct deposit? A bigger question has to do with the area’s aging population and more baby-boomers becoming snow…
Read MoreContractor Safety
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 has to…
Read MoreIt’s Worth Making A Fuss About Non-Profit D&O Liability Insurance
Are you a board member, employee, or volunteer of a non-profit entity/organization? If so, you should make sure the entity or organization you are affiliated with has appropriate Directors and Officers Liability Insurance. This is extremely important for a non-profit because it helps protect both the entity AND you from a lawsuit. What it isn’t:…
Read MoreProtect Your Interests with R E P O R T
Read about reporting a property loss under your business and commercial insurance policy. Learn how R E P O R T may help you stay on top of a business and commercial property loss. Unknown covers a lot of ground. Generally speaking, insurable property losses involve what is unknown, until it becomes a sudden and…
Read MoreIs Investment Property for You?
Investment property can serve as an income source and asset builder. Your resources, experience, goals, and tolerance for risk are deciding factors in the type and scale of investment you might make. Financial commitment is a given. Whatever money you put into the investment is at risk. Be aware you can lose it all if…
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