Insurance is more than a box to check for owners of apartments, condos, and rental properties, it’s a critical safeguard against real financial and legal risks. Property damage, tenant safety, and rising legal liability make commercial habitational properties some of the most complex to insure. To get it right, owners need coverage that reflects their unique…

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The construction industry is experiencing a labor crisis. A combination of retiring skilled workers, geopolitical forces, fewer young professionals entering the trades, and pandemic-related disruptions have led to a severe work-force shortage. A skilled labor shortage is at the heart of the issue—a gap where the demand for qualified, experienced workers far exceeds supply. This…

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Every business in Northeast Ohio that has employees or customers is exposed to potential employment practices liability claims. In the year ending December 31 2023 the Equal Employment Opportunity Commission (EEOC) stated there were 81055 charges against employers for discrimination that is more than 220 claims every day. However, according to ISO MarketStance only 4%…

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Depending on your role as an artisan contractor in Ohio, workers’ compensation may be optional. Ohio requires all employers with at least one employee to have workers’ compensation however you may be able to decline coverage as well. As the owner if you are a sole proprietor, partnership, limited liability company (LLC) acting as a…

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Many artisan contractors believe they are fully protected from liability losses for many reasons. But the standard Insurance Service Office (ISO) Commercial General Liability policy does not cover the named insured’s work or products. Contractors around Northeast Ohio register with many Cuyahoga County municipalities and must provide proof of Liability Insurance to complete the registration…

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Climate change is upon us, July of 2023 was the hottest month on record according to the European Climate Monitoring Organization. Back in Northeast Ohio this summer has been glorious and we have only had a few days with highs in the 90’s but that does not mean as an Artisan Contractor you can’t be…

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Most General liability policies issued today have an occurrence limit of $1,000,000.00 or $2,000,000.00 and commercial auto policies typically have limits of $500,000.00 to $1,000,000.00, but is that sufficient in today’s litigious environment? As a business owner if you don’t feel these liability limits are adequate based on a myriad of variables an umbrella policy…

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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 the subcontractor to protect your business from losses and unforeseen expenses. The limits of liability required by the subcontractor should be in writing and…

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Every business in Northeast Ohio with employees or customers is exposed to potential employment practices liability claims. In the year ending December 31, 2019, the Equal Employment Opportunity Commission (EEOC) stated there were 72,675 charges against employers for discrimination. Read More! Employment Practices Liability Insurance (EPLI) should be part of your business insurance and loss mitigation program. Uninsured claims…

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Many contractors provide a variety of services but are they a handyperson or an artisan contractor is a question that we are discussing on a regular basis. According to the Insurance Service Office, a handyperson who provides a variety of maintenance-type services to their clients. However, the service must involve minor repair work including but…

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