Misclassified Trucking Risks Can Jeopardize Insurance
When Saving on Trucking Insurance Creates a Much Bigger Risk: The Importance of Accurate Business Classification Northwest Ohio is home to a significant number of aggregate trucking operations. From stone and gravel haulers to asphalt and construction material suppliers, these businesses are a critical part of our local economy. They keep construction projects moving, support […]
Broker Liability After Supreme Court Ruling
Freight Brokers Face New Liability Exposure: Why Carrier Screening Matters More Than Ever The Legal Landscape for Freight Brokers Has Changed For years, freight brokers relied on a significant legal defense when facing claims after a catastrophic trucking accident: the argument that federal law limited their exposure for the actions of independent motor carriers they […]
Sponsoring Events? Watch Your Insurance Liability Risks
When Sponsoring Events, Racecars, and Community Activities Creates Insurance Liability Risks Businesses throughout Northwest Ohio take pride in supporting their communities. Whether it is sponsoring a local festival, youth sports team, county fair event, golf outing, tractor pull, or even placing a company logo on a racecar, sponsorships are a great way to build relationships […]
Did You Put Your Home in a Trust? Check Your Insurance
Did You Transfer Your Home Into a Trust? Don’t Forget to Update Your Homeowners Insurance Many homeowners create a trust as part of their estate planning. A common step in this process is transferring ownership of the home from an individual’s name into the name of the trust. While this can be an excellent estate […]
Actual Cash Value vs. Replacement Cost: Key Differences
Actual Cash Value vs. Replacement Cost: What Homeowners Need to Know 5/27/2026 Actual cash value and replacement cost value are two common ways homeowners insurance may settle a covered claim, and the difference can affect how much you pay out of pocket. This article explains how each option handles depreciation, how extended and guaranteed […]
How to Keep Your Insurance Claim Moving Forward
Filed an Insurance Claim? Here’s How to Help Keep Things Moving Read time: 3 minutes This probably wasn’t part of your plans today. One minute everything feels normal, and the next you’re dealing with damage, phone calls and questions about what happens next. The claims process can feel overwhelming, but a few simple steps can […]
Does Auto Insurance Cover Rental Cars? What You Need to Know
Does My Insurance Cover Me When Renting a Car? Renting a car is easy. Understanding your insurance coverage while driving it can be a little more complicated. One of the most common questions we hear is: “Does my auto insurance cover me when I rent a car?” The answer is usually yes—but there are important […]
CPRM Designation: Why It Matters for High-Net-Worth Clients
What Does the CPRM Designation Mean—and Why Should Higher Net Worth Individuals Care? When it comes to protecting significant assets, not all insurance professionals have the same level of training. While most agents can quote a policy, clients with substantial homes, investments, vehicles, collections, and liability exposures often need a more sophisticated approach to risk […]
Divorce and Life Insurance Beneficiaries: Don’t Assume
Divorced but Still Want Your Ex as Beneficiary? Don’t Assume They’re Covered. Divorce changes more than your marital status. It can also change what happens to your life insurance proceeds when you die. Many people are surprised to learn that naming an ex-spouse as a beneficiary before a divorce does not always guarantee that person […]
Why Naming Life Insurance Beneficiaries Matters
Why You Should Never Name Life Insurance Beneficiaries as “All My Children Equally” When completing a life insurance beneficiary designation, it can be tempting to keep things simple by writing a phrase like “all my children equally.” While that may seem straightforward, it can create significant problems for your family and potentially delay the distribution […]