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Back to School Travel Safety Tips
To me summer is still in full swing but to Ellen my wife it’s winding down as her first teachers’ meeting is today! So, it is probably a good time to start thinking about some travel safety tips as students start heading back to school in Northeast Ohio. While safety tips for kindergartners and college…
Read MoreThe Needle is Spiking Upward
Learn why the needle is spiking upward in out-of-pocket insurance expenses. Read about changes in property insurance coverage that raise out-of-pocket expenses. By John Bouhall, CPCU It takes more than one wildfire, hurricane, or severe weather event to move the needle, and the needle is spiking upward. Property damage resulting from these perils is so…
Read MoreProtect Your Church From a Troubling Surge in Vandalism
Vandalism has occurred throughout Greater Cleveland’s Churches. From Annunciation Greek Orthodox Church in Tremont, to Immaculate Conception Church in Willoughby to St. Francis de Sales in Parma no area Churches are immune from this troubling trend. But what can a Church do? Locking your doors and walking away is not enough today and with more…
Read MoreUninsurable: From Straightforward to Up in the Air
Commercial insurance is fundamental to the financial health and stability of modern economies. At its core, a business insurance policy is a method of risk transfer from the commercial policyholder to the insurer. The terms of the risk transfer are contractually defined by the terms, conditions, and limits of the insurance policy. However, not all…
Read MoreWho Does Your Farm Insurance Policy Cover?
When was the last time you sat down and read the lengthy, confusing, and if we’re being honest, quite boring, pages of your farm insurance policy? Thought so. You don’t have time to devote to poring over insurance language pages. Yet those sheets contain invaluable information you may want to know – for example, who…
Read MoreDon’t Take It All On, Transfer Risk to Your Subcontractors
Working with many 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 a subcontractor to protect your business from loss and unforeseen expenses. Several of the key points as to why a Certificate of Insurance is…
Read MoreYikes for Electric Bikes!
Learn why electric bicycle owners need specific property and liability insurance. Read about standard insurance coverage restrictions applicable to electric bicycles. Electric bicycles are gaining traction with outdoor enthusiasts. Within the last two weekends alone, I’ve noticed several people riding them on the paved paths throughout the Cleveland Metroparks. Because of the pedal-assist and throttle…
Read MoreWhy Are the Values of My Buildings Going up Faster Than Inflation?
Over the last 18 months I have heard time and time again that the increase in my apartment, strip center or office building’s value(s) is/are being increased too much. These unverified statements can create issues at renewal if they are not addressed beforehand. What is driving higher than normal building value increases? A number of…
Read MoreSeal it with a Legal Covenant
Learn why churches should have written use agreements with outside parties. Read a few suggestions churches may consider including in a written use agreement. What’s happening this week at your church other than Sunday worship, youth ministry, and weekly Bible study? If at any time an outside group is permitted to use church property, your…
Read MoreKeeping the Food Safe When It Is on the Road
The Lakewood or Beachwood Truck Park, The Yard on 3rd in Willoughby or South Euclid’s Food Truck Park, it does not matter where they are, Northeast Ohioans love their food trucks! Prep work may be done at a brick-and-mortar restaurant, a food incubator or a ghost kitchen but food safety can be tricky for a…
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