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Liability

Prevent Slips and Falls with a Snow & Ice Removal Plan

By Business, certificate of insurance, Claims, Commercial, commercial property, ice, Insurance, Liability, Prevention, slip and fall, snow and ice, snow removal contractor, Weather, winter weather, workers' compensation

It’s snowin’ and blowin’ everywhere in Ohio right now and in much of the U.S., but like my grandma says, “It’s that time of year!” There are times when we have to venture out, even during and after winter weather…

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The Benefits of Telematics for Company Vehicles

By accident investigation, Auto, Business, car camera, Claims, Commercial, commercial insurance, company drivers, company vehicles, fleet claims, fleet management, fleet performance, fleet safety program, fleet tracking, Insurance, Liability, Loss Control, Risk Management, Technology, telematics

When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a…

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Condominium Association Risk Management Suggestions

By Business, Communication, condo association, condo association master policy, condominium declarations, directors and officers, Employment Practices Liability Insurance, Insurance, Liability, Loss Control, ordinance or law coverage, Risk Management

While much of risk management for condominium associations boils down to common sense – ensure exterior surfaces and vegetation are well-maintained, utilize guidelines pertaining to the usage of grills or fire pits, and utilize procedures to ensure ass…

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Excess Policy or Umbrella Policy? What’s the difference and which is better?

By Accident, Auto, Business, business owner, Commercial, commercial auto policy, commercial insurance, commercial umbrella policy, commercial underwriting, excess policy, Insurance, Liability, self-insured retention

One of the questions a commercial lines underwriter hears most is, “Is your umbrella follow-form?” Basically, will it only increase the limits of my current coverage (follow-form), or will it also offer some additional coverage (umbrella)? …

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Are Your Servers Trained and Certified with TIPS?

By alcohol awareness, alcohol awareness training course, alcohol consumption, alcohol related accident, alcohol training, bar, bar owners, bartenders, Business, Commercial, COVID-19, Employees, fines, football season, Insurance, intoxication, Liability, Loss Control, loss control representative, Prevention, restaurant, safety, Safety Tips, servers, TIPS, workers' compensation

We didn’t know if there would be a football season this year, but here we are! The BIG Ten has even reversed its earlier decision, and now games will start in October…GO BUCKS! COVID-19 has changed how we’ll watch these…

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The Nurse Hotline: The First Step in a Work Injury Claim

By after an accident, Business, Central, Claims, Commercial, Employees, First Report of Injury, injury, Insurance, Liability, Loss Control, nurse, Prevention, safety, Service, slip and fall accidents, worker, workers safety, workers' comp claims, workers' compensation, workplace, workplace safety

Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries happen, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury does happen, there is a process that is …

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Coverage for the College Student

By additional interest, college, college student, college students, dorm room, Financial, Home, homeowners policy, Insurance, Liability, Personal, personal liability coverage, personal property, personal property coverage, Personal Umbrella, personal umbrella policy, renters insurance, Umbrella

This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College campuses won’…

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