Read about personal risk exposure involved with food delivery service driving. Learn important facts every personal automobile insurance policyholder should know. Love them or not, food delivery services are a cultural presence in the U.S.  As long as DoorDash, Uber Eats, Grubhub, etc. are profitable, they will be in business. Especially popular in large cities…

Read More

By John Bouhall, CPCU Learn about shifts in the application of the doctrine of ministerial exception. Read why employment practices liability insurance is worth it for religious entities. When’s the last time you grumbled to yourself, “Is anything sacred anymore?”?  It’s a sobering question. While we all have different backgrounds, experiences, and opinions, the standard…

Read More

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 More

Read about a new reality in the homeowners’ insurance market. Learn why homeowners’ insurance premiums are increasing across-the-board. We are experiencing a new reality that will have widespread consequences for all. This new reality is dramatic change, including premium increases, in the personal lines homeowners’ insurance market. It is being driven by another reality, which…

Read More

Learn how parts of the homeowners’ insurance pool are impacting the whole. Read why repetitive weather extremes affect your homeowner’s insurance premium.  Insurance is a big pool of risks. What was once predictable within an acceptable range in the deep end is literally burning up and blowing through risk models, causing noticeable churn in the…

Read More

Read about pet insurance protection for your beloved pet dogs and cats. Discover two pet insurance coverage options available to owners of pet dogs and cats. Mention of first-born or oldest usually prompts a mental image of a human being. If you aren’t the first-born or oldest in your family, an older brother or sister…

Read More