Posts Tagged ‘loss control’
Water Water Everywhere
Water damage claims continue to mount for insurance companies and newer technology is available to reduce or even eliminate these losses. One of our partner companies reported in 2022 41% of their property losses were related to interior water damage. Frozen pipes, broken water supply lines or failure of Polybutylene pipe. No matter the cause…
Read MoreWarranty Clauses Are Sneaking Into Commercial Property Insurance
The Commercial Property Insurance landscape continues to shift, companies are leaving the marketplace, capacity is being reduced, minimum deductibles are being increased and premiums are going up. However, a not so obvious change is the adding of Warranty Clauses to the policy. What is a warranty in an insurance policy? They are statements made by…
Read MoreDon’t Neglect Loss Control Basics for Your Church
On average 1,300 church fires are reported each year, don’t become a statistic. With more than $40,000,000.00 in fire damage occurring in Churches each year, this is a great time to review some basic loss control items around your Church. Arson comprises 25% of church fires, 30% of church fires result from mechanical failures related…
Read MoreIn the Heat of the Summer
Climate change is upon us, July of 2023 was the hottest month on record according to the European Climate Monitoring Organization. Back in Northeast Ohio this summer has been glorious and we have only had a few days with highs in the 90’s but that does not mean as an Artisan Contractor you can’t be…
Read MoreAmazing Service Begins at Your Church
By John Bouhall, CPCU Here is the church, Mission, service, praise. Open the doors, Hands, heads, and hearts raise. Extend a hand, Gladly volunteer. Impart your skills, So needed right here. See with your eyes, Church buildings need care. Survey the grounds, Paint, seal, and repair. Plan through the year, Know what to expect. Fix…
Read MoreMaintaining Your Fire Sprinkler System in 10 Easy Steps
Many commercial buildings have fire sprinkler systems to reduce exposure to property loss and save lives if unfortunately, you have a fire. In addition, a properly designed and maintained sprinkler system may save you money on your property insurance premiums. However, like any system it must be properly maintained so it is there for you…
Read MoreDistracted Driving Everybody’s Problem
Many trade contractors use their van or truck as their mobile office. Invoicing, credit card readers and receipts that need to be filed, are on the dash, shoved in the sun visor or in a cup holder, you get the picture. There is even a pickup that touts its rear tailgate as being flexible enough…
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 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 MoreThe Inspector is Coming! The Inspector is Coming!
I received a frantic call last Friday from a longtime client that the insurance inspector was coming. No, he did not tell me one if by land and two if by the sea like in Longfellow’s poem but he was concerned, to say the least. The Insured owns about 100 apartment units in 5 buildings…
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