Read four scenarios relating universal life events with trade contractors’ need for insurance. Learn a few insurance basics by taking a quiz focused on trade contractors and insurance. It’s September 2020, and we’re all back to school in one way or another. In the spirit of back-to-school, today’s blog is presented in quiz format. The…

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When you think apartment housekeeping, you probably think of jobs like tenants keeping their units clean, the garbage being picked up from the dumpster and the front of the building’s street appeal. But what about those housekeeping items that, if ignored, could lead to safety issues? Lighting, exits, floors, and stairs, if not properly maintained,…

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Bed Bugs, an unseen liability risk. I received a frantic call from an apartment owner late last Monday that one of his east side Cleveland apartments had bed bugs, and is he liable for the damage they may cause to his tenants. I said I would look into it, but in the meantime call 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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Discover how inattention to proper clean-up could impact a business’ third-party liability. Read a scenario in which “clean up or pay up” could potentially apply to a commercial business. Whether you read it, hear it, or say it, there is definitely a common-sense ring to the phrase, “clean up or pay up.” It’s a first-party…

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Keeping it safe 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 these traumatic situations. Some…

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Northeast Ohioans who operate independent businesses from home are a diverse population from stay-at-home parents to semi-retirees. Some are budding entrepreneurs, and some are earning money doing what they love to do. The bottom line is home-based businesses generate business income. The standard homeowner’s insurance policy covers some business personal property, but it excludes any…

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Are you a small-business owner looking to save some money? Cutting hidden costs is one huge step to helping your bottom line. Hidden costs have a way of adding up over time, costing your business a substantial amount of money in the long run. Here are five ways to help you cut some hidden costs…

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How often do you get to your office go through the rear entrance and not even notice the condition of the parking lot your customers and guests see or not notice gradual deterioration of an item? Having a simple checklist can help! • Check for cracked and crumbling pavement. • Parking blocks are secured and…

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Insurance for AllProtecting your Investment Property I wrote a blog a couple of months ago about keeping your tenants safe and avoiding liability. Richey Barrett has also written and repeatedly posted information about active shooters at religious institutions. Now, these two topics need to come together! Management plans for landlords must address active shooter situations…

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