Posts Tagged ‘General Liability’
Farmers Market Hazards, Are You Covered?
Learn about your potential liability exposures. Like many farmers, you are planning to sell your crops at your local farmer’s market this season. How well does your current farm insurance program cover your liability exposure in that endeavor? Have you added retail exposure the farmer’s market? When selling your fruits, vegetables, meats, or jarred items…
Read MoreContractor Safety
Spring is upon us and it seems like there are Artisan Contractors everywhere. Today in the parking lot I saw two heating ventilation and air conditioning (HVAC) trucks and roofers inspecting the building across the street. With all of this work all of a sudden, you can’t lose sight of on the job safety. Safety…
Read MoreContractors Errors & Omissions Insurance Could Save you a Bundle
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…
Read MoreGrowing Old Doesn’t Mean Growing Up
The median age in the United States continues to increase and Northeast Ohio is growing older faster than most other urban areas. With that in mind, it is great to know the area is blessed with many great non-profit nursing homes and assisted living facilities that meet the needs of our aging society. Unfortunately, I…
Read MoreDon’t Get ‘Snowed’ This Winter
Winter in Northeast Ohio is right around the corner and many snow removal contractors are signing contracts for the 2020-2021 season. While revenue is of great concern during these unprecedented times, don’t forget to create a loss control program to reduce your insurance losses. Before the first snowfall take a digital picture of each client’s…
Read MoreStartup Landscaping Contractors Need Coverage From Day 1
With May’s unemployment rate in Ohio sitting at a staggering 13.7% due to COVID-19, Richey-Barrett Insurance has been receiving a large number of requests for insurance from startup landscape contractors. Unfortunately, our closing rate has been much lower than normal for theses artisans, and I am concerned many of these startups are going without the…
Read MoreConstruction Contractors Restart Ohio!
On Monday, May 4th 2020, non-essential construction contractors were able to return to work in Ohio. While many artisan contractors were considered essential during Ohio’s stay at home order, many plumbers, electricians and carpenters chose not to work due to the lack of guidance provided by the state. Now, the State has put out guidelines…
Read MoreContractor Safety
Spring is upon us and it seems like there are Artisan Contractors everywhere. Today, in the parking lot I saw two heating ventilation and air conditioning (HVAC) trucks and roofers inspecting the building across the street. With all of this work, all of a sudden you can’t lose sight of on-the-job safety. Safety has to…
Read MoreLiquor Liability: Know Customers Limit
The holiday season is a busy time for bars and restaurants, you may be catering to larger groups that are not your usual clientele, but do not let your guard down and make sure all of your employees are following your procedures for responsible service, sale, and consumption of alcohol. As the owner of an…
Read MoreKeeping your Apartment Building Occupied
Keeping your apartment building occupied is paramount to profitability, but don’t be negligent in your application and screening process. The Department of Housing and Urban Development (HUD) has created regulations that define classes of people who can’t be discriminated against in the rental process. (read more) As a landlord, you may not discriminate in renting…
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