What’s driving the hard insurance market for main street businesses? Ohio has always had a very competitive insurance market for small commercial businesses. As a result, premiums are lower than those in many neighboring states. However, rates have been trending up in several areas for the past several years and terms and conditions are being…

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Learn why vacant land investment property owners need General Liability insurance. Read about liability exposure associated with vacant land investment property. Raw land is the original investment property, as land has always had value. For some investment property owners, land is the investment of choice. For others, it may be new territory. Any investment involves…

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Read how COVID-19 may impact your business’ commercial general liability premium. Learn why commercial general liability insurance premiums may fluctuate due to COVID-19. Gross sales. Gross receipts. Gross payroll. Three key indicators businesses consider when establishing operational goals and measuring operational success. Without sales and receipts, your business cannot make payroll. These three indicators are…

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Every spring many artisan contractors in Greater Cleveland come out of hibernation and are ready to get back to work. Every spring, many artisan contractors in Greater Cleveland come out of hibernation and are ready to get back to work. But before they get going, they better make sure they have contractor’s insurance. The top…

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Hang on to good business practices. The Ohio State Marching Band has been nicknamed the best damn band in the land and I believe The Richey-Barrett Co, serves some of the best damn contractors in Greater Cleveland! However, over the past thirty years, I have seen some contractors whose business practices have cost them their…

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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…

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Read more about the importance of a Certificate of Liability Insurance (COI). 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 the subcontractor to protect your business from loses and unforeseen expenses. The…

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As the owner of an apartment building in Northeast Ohio, you want a well built, solid building. As local insurance agents, we want to build a solid property and liability insurance program for you. As the owner of an apartment building in Northeast Ohio, you want a well built, solid building. As local insurance agents,…

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We’ve Got You Covered! 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 provides a variety of maintenance-type services to their clients. However, the service must involve minor repair…

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Learn helpful checklist items for non-profit organizations planning a special event. Read about Make-A-Wish® of Northeast Ohio’s upcoming 29th Annual Halloween Benefit. What’s in a wish? Hope. Thought. The seed of lasting memories. The spark to a mission. Magic. There’s some powerful stuff in each one of these alone, and much more when joined together.…

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