When is a bargain not a bargain? The real estate market is heating up across the country, but prices for multi-family dwellings in Northeast Ohio remain lower than the national average. With unemployment higher than the national average, many would-be homebuyers have had to remain renters longer than expected. The convergence of these two trends…

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Don’t play “Chicken” with passenger cars while in your tractor, or other large pieces of farm machinery.  Read about everyday safe driving tips for Farm Machinery. Accidents are often caused between farm equipment and vehicles on public roads while traveling from one location to the next. How are you supposed to avoid finding yourself in…

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Protect your jobsite and equipment to protect yourself from unexpected costs! When my kids were in middle school, I would read the books they were being asked to read in school, and this week’s blog reminds me of the book “Hoot” by Carl Hiaasen. The story revolves around saving an endangered species of burrowing owl…

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Don’t let the excitement of reopening your camp override your concerns for following safety protocols. Last year, Covid-19 shut down most church camps, but based on the availability of vaccines and testing, many are considering reopening this summer. It will not be business as usual. New considerations must be addressed. Will all staff need to…

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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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Accidents happen. Even small businesses and small contractors need added protection against catastrophic liability loss. Consider a hypothetical scenario in which Handyman Hal is going about his usual daily business of contractor remodeling. Hal runs out of drywall tape on the job. While driving to the local hardware store to purchase additional tape for the…

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Learn basic factors insurance companies use to price General Liability business insurance. Read how General Liability business insurance is rated. When you buy coffee at the neighborhood coffee shop, visit the dentist for a professional check-up, go grocery shopping, remodel your kitchen, or eat out at your favorite restaurant in Cleveland, you are supporting the…

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Keeping your Tenants Safe and Avoiding Liability As the owner of an apartment building in Northeast Ohio you are responsible for the safety of your tenants. While your liability insurance may provide coverage for your negligence if a tenant is assaulted or there is a break-in, having a security action plan will help you avoid…

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2021 is around the corner and insurance companies are finalizing their underwriting plans for next year. What will this mean for owners of apartment buildings and rental units in Northeast Ohio? (read more) Be prepared for insurers to ramp up their inspections to ensure they are charging the proper rate for the exposure. Proper valuation…

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