If a Recession lies ahead is your Church ready?

Church Finance

Inflation is sitting near 8%, the Federal Reserve has indicated its target rate for the Federal Funds Rate will be 4.4% by the end of 2022, the major markets are all in the red for the year and requests for assistance to your Church continue to rise. This is the time to review your Church’s […]

Don’t get into Hot water this winter with a busted boiler

Boiler room blog post

Understand some of the major conditions that can affect the operation of your heating boiler this winter. From Lakewood to Cleveland Heights, Greater Cleveland has some beautiful older apartment buildings. Most of these apartments are heated with cast iron boilers either using steam or hot water to operate the systems. Hartford Steam Boiler, one of […]

Maintaining Your Fire Sprinkler System in 10 Easy Steps

Sprinkler Blog Photo

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 […]

Lightning Strike Technology The Old Tried & True is Still Effective

Church RB

According to the Insurance Information Institute, 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches use Lightning Rods to prevent damage caused by lightning?  Lightning Rods originally developed by Benjamin Franklin in the mid-1700s still offer an effective method to divert the energy of a lightning […]

Rough Roads Ahead for the Commercial Habitational Insurance Market

Commercial Habitational Insurance Market

Apartment owners throughout Northeast Ohio may be in for a surprise when they open their insurance renewals this year! Several factors have come together that are affecting this class of business, and policyholders may see 15-20 percent increases this year. Some issues that are affecting Northeast Ohio directly are caused by the older stock of […]

Crafting a Solid Insurance Program for Owners of Apartment Buildings

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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. read more A well put together insurance program consists of several components just like your building. The insurance policy should include […]

Bats in the Belfry Aren’t the Only Creepy Creatures

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Creepy, crawly critters that go bump in the night aren’t confined to Halloween or nighttime for that matter. Creatures you expect to stay outside where they belong don’t always confine themselves to nature’s protective cover. They can and do get inside … causing tricky problems for building owners. Insects, birds, rodents, and even bats are […]

Take the Money and Run

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 No, not the 1976 song by the Steve Miller Band but the money after a loss on your apartment building. A couple of weeks ago, one of my customers referred his brother-in-law to me for a quote. The brother-in-law was purchasing his first income property, a single-family dwelling in a Cleveland suburb. I gathered the […]

Moving on Up!

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Recently, I wrote about a prospect in Rocky River who was purchasing her first apartment building. The prospect owns several single-family rental units and the discussion revolved around properly insuring the garage. It was confirmed that the garages must be listed on the declarations page when insuring apartment buildings on a commercial form. This difference […]