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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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…
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…
Halloween 2020. Wow, what could go wrong? If this coming weekend is anything like the previous six months, plenty. With COVID-19, trick or treating will take on a different look this year, and so will your liability risks. I have…
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)? …
If you’re the proud owner of a new business – or even just kicking around the idea of hanging your own shingle – you’ve probably realized that there is a lengthy list of items and issues to address. From startup…
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…
Buying a new car is such an exciting experience. You’ve done all the research, you’ve finally found the perfect car and you are about to pull the trigger and start the purchasing process. But are you prepared? Did you bring…
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 …
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’…