Winter-Specific Insurance Considerations for Farmers With the early finish to this year’s harvest, it’s time to shift our focus temporarily before heading into the winter weather that accompanies living in Ohio. Ohio winters are always volatile, comically varying from 50 degrees one day to -15 the following. While you may disagree following this past week, […]
Learn about using affordable technology to mitigate loss to trade contractors. Read some practical suggestions that may benefit your trade contracting business. Perception and greed. Intriguing movie themes, as well as real life motivators. With that in mind, this blog rolls out three hypothetical takes focused on a particular aspect of the daily operation of […]
This has been a beautiful fall in Northeast Ohio warm weather and not a lot of rain but the winds have been howling, garbage cans blown around leaves everywhere and a couple of large trees in my neighborhood have been blown over. So, does insurance cover fallen trees? Homeowner’s insurance covers the cost of damage […]
Discover statistics worth consideration by Ohio investment property owners. Read a few highlights about Ohio that are favorable for investment property owners. Cleveland, Ohio is home to me. Sure, it gets old rooting for the Browns, dodging potholes, and navigating ice and snow. Those are minor downsides compared to the upsides. While I’m no “expert”, […]
As I was driving back to the office last week I passed a Church with a lot of political signs in their front yard. That made me think about a blog I had written 8 years ago regarding the separation of church and state and some of the pitfalls that can befall a Church if […]
Learn about potential D&O liability exposures for both for-profits and non-profits. Discover some differences in D&O Liability policy wordings that impact coverage. Liability. A single word that bears a lot of weight. Whether you own or manage a business or non-profit, you have liability exposures. A General Liability insurance policy is a must, but its […]
Life is unpredictable, and the best way to defend yourself against unforeseen losses is through an adequate protection plan for your farm and your family. 66% of Americans are underinsured, leaving them unable to fully protect their assets and financial well-being. I get it, the savings you get from having lower premiums looks great on […]
Depending on your role as an artisan contractor in Ohio, workers’ compensation may be optional. Ohio requires all employers with at least one employee to have workers’ compensation however you may be able to decline coverage as well. As the owner if you are a sole proprietor, partnership, limited liability company (LLC) acting as a […]
Read about recent changes to my own homeowner’s insurance policy. Learn why the long-run stability of your homeowner’s insurance company is important. My homeowner’s insurance policy renewed recently, and I got IMPORTANT mail from my homeowner’s insurance company. The IMPORTANT mail focused on recent changes to my homeowner’s insurance policy, most of which apply to […]
As a commercial property owner, safeguarding your investment is paramount. Real estate insurance provides the essential coverage to protect your property from unforeseen risks businesses face, which can encompass property damage, liability, business interruption, and specialized coverages like equipment breakdown. The scope of real estate insurance is broader than most personal insurance because businesses often […]
