January 29, 2019
President
Extreme Cold Is Coming to Northeast Ohio

Snow, ice, wind‐chill, and subzero temperatures will be arriving later today in Northeast Ohio

July 25, 2016
Vice President
D

ealing with property claims is always a concern for you, the property business owner. Do you have enough insurance coverage for the loss? What if the loss is caused by a defective appliance such as a refrigerator, stove, electrical cord, and/or a water supply line? Suppose you are a landlord, and the property loss is caused by your tenant’s negligence in starting a stove fire, or your tenant leaves the bathtub water running unattended resulting in an overflow, or your tenant carelessly leaves on an electric blanket which catches on fire. Typically your insurance company will pay the covered loss less your deductible. If you are a landlord, it is prudent to require your tenants purchase a tenant’s insurance policy providing both property and liability coverage. The tenant’s insurance policy can also protect you, the landlord, indirectly. These scenarios get into an area of insurance claims we do not often hear about, the area being after- the- fact settlements.  

July 25, 2016
Vice President
D

ealing with property claims is always a concern for you, the property business owner. Do you have enough insurance coverage for the loss? What if the loss is caused by a defective appliance such as a refrigerator, stove, electrical cord, and/or a water supply line? Suppose you are a landlord, and the property loss is caused by your tenant’s negligence in starting a stove fire, or your tenant leaves the bathtub water running unattended resulting in an overflow, or your tenant carelessly leaves on an electric blanket which catches on fire. Typically your insurance company will pay the covered loss less your deductible. If you are a landlord, it is prudent to require your tenants purchase a tenant’s insurance policy providing both property and liability coverage. The tenant’s insurance policy can also protect you, the landlord, indirectly. These scenarios get into an area of insurance claims we do not often hear about, the area being after- the- fact settlements. 

June 13, 2016
W

e have all seen the commercials portraying the entire contents of a house floating in the living room scaring you into purchasing flood insurance.  But do you really need it?

There is some vague information we recall we’ve heard somewhere about flood zones.  If you’re in the bad one, you need it and in others you don’t, right?  The answer is maybe.