As an artisan contractor—whether you’re a plumber, electrician, carpenter, painter, or mason—your hands-on skills are the heart of your business. But with every project comes potential risks: property damage, accidental injuries, or even dissatisfied customers who may hold you responsible for financial losses. That’s where liability insurance becomes one of the most important tools in […]
Spring is in full bloom in Greater Cleveland and I’m receiving mailers and flyers everyday either in my mailbox or on my front door touting every service from sidewalk leveling, tree removal, new siding, new garages to total home renovations. The one constant in every advertisement is that the contractor states they are” fully […]
As I was driving back to the office last week I passed a Church with a lot of political signs in their front yard. That made me think about a blog I had written 8 years ago regarding the separation of church and state and some of the pitfalls that can befall a Church if […]
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 […]
It has been very busy at the agency over the last 2 months and I did not realize that I was supposed to write a blog for the agency this week. I know this sounds like an excuse but I was still able to find a great info-graphic from our partners at Travelers Indemnity that […]
This has been a beautiful summer in Northeast Ohio unless you have been trying to walk on the sidewalks in one of the neighborhoods that are in the middle of its sidewalk replacement program! Walking in the street or in the grass can be dangerous but, in the end, having nice level sidewalks throughout the […]
Call 811 in Ohio before you dig. One of our agency’s clients just had a $17,000.00 claim for striking an underground electrical wire in a Greater Cleveland parking lot. Even though the client submitted a dig notification, the exact location of the dig in the parking lot was confusing and a grass island in the […]
Apartment owners throughout Northeast Ohio may be in for a surprise when they open their insurance renewals this year! Several factors have come together that are affecting this class of business, and policyholders may see 15-20 percent increases this year. Some issues that are affecting Northeast Ohio directly are caused by the older stock of […]
Contractors – do you need Pollution Liability coverage? Have you discussed the pollution exclusion in your General Liability policy with your agent? Contractor’s pollution liability (CPL) provides third-party coverage for bodily injury, property damage, clean-up expense, and defense expense as a result of your creation of a condition that is considered pollution. This condition can […]
Transfer risk to your sub-contractors! 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 a subcontractor to protect your business from losses and unforeseen expenses. Several of the key points as to why […]
