Don’t neglect loss control basics for your church during these difficult times. On average 1,300 church fires are reported each year. 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 throughout your physical plant. Arson comprises 25% of church fires,…

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Read why commercial property rates are increasing in all locations in 2020. Learn about one, across-the-board effect of catastrophic commercial property losses. Cleveland and Northeast Ohio are home to a wealth of commercial real estate. The gamut includes world class health care facilities; cultural institutions; theaters; research, manufacturing, and food processing operations; apartment buildings; churches;…

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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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Learn how the vacancy clause impacts your investment property insurance coverage. Read about potential scenarios involving vacant investment property. Knock, knock. Who’s there? Investment property vacancy. Building vacancy increases the likelihood of property loss. Vacancy and delay in discovering loss or damage go hand-in-hand. In turn, delayed discovery easily results in further damage and/or deterioration…

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Investment property can serve as an income source and asset builder.  Your resources, experience, goals, and tolerance for risk are deciding factors in the type and scale of investment you might make. Financial commitment is a given. Whatever money you put into the investment is at risk. Be aware you can lose it all if…

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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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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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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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In the last month, AM Best and Fitch (companies that provide financial data products in the insurance industry), national consultants Willis Towers Watson, AON, and others have all echoed the fact that rates are going up and will continue to rise in 2020. Price increases in automobile insurance were discussed in an earlier blog, but…

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Winter and freezing temperatures are forecast to roar back into Northeast Ohio in the next 24 hours or so, but there is still time to get out and complete a few simple tasks to help protect your property. You may also discover additional items that need improvements for next year and beyond. We all know…

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