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All You Ever Wanted to Know About Insurance

Before hurricane watch turns to warning By Cincinnati Claims

Make a hurricane emergency plan ahead of the storm.The Atlantic hurricane season runs June 1 to November 30 each year. Residents of Atlantic and Gulf coastal areas should have a plan in place for rough weather. The...

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Prepare your construction site before a hurricane hits By Troy Dohmeyer

Keep an eye to the sky to prepare your construction site when a hurricane approaches.family for an impending hurricane, you’ll also want to prepare your construction job sites. The steps you take could make a...

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Tips for sanitation in the age of coronavirus By John Fisher and Steve Heiden

Clean door handles and other high-touch areas frequently. While it may be impossible to prevent infection from the new coronavirus, you can take steps to minimize the risk of COVID-19 illness in your home or office. ...

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Go out and play, but keep one eye toward home security

Make sure windows have a secure lock. Good weather gives you opportunities to get out of the house and enjoy the outdoors. It also gives some unscrupulous people the opportunity they are looking for to burglarize your...

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Before hurricane watch turns to warning

By Marty Skidmore Make a hurricane emergency plan ahead of the storm. The Atlantic hurricane season runs June 1 to November 30 each year. Residents of Atlantic and Gulf coastal areas should have a plan in place for...

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Keep children safe at your home pool By Steve Heiden

Swimming pools are an attractive hazard for children. Make your home pool as safe as possible, and never leave children unattended.Every year nearly 300 children under the age of 5 drown in swimming pools in the United...

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Personal insurance: Trends in construction costs By Mandelyn Gerhart

Material and labor costs are both contributing to higher construction costs. Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of...

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Halloween: Tips to make your celebration a treat By Cincinnati Personal Lines

Don’t be tricked by liability issues! Keep Halloween safe for family and guests. As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the...

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Don’t let foodborne illness be unwanted guest at your BBQ By Cincinnati Loss Control

Summer is a great time to enjoy food and drink with family and friends, but summertime outdoor cooking also invites an unwanted guest – the threat of foodborne illness. Whether at a family picnic, a barbecue at a park,...

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If a tree falls, who’s responsible? By Marty Skidmore

Storms are just one cause of downed trees that damage property.Fallen trees and branches are a significant cause of damage and power loss after a thunderstorm rolls through. But if a neighbor’s tree falls on your...

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Online shopping: Tips to reduce risk By Mike Williams and Matt Johnson

Whether you’re using a computer or a phone, be cautious when shopping online. The explosive growth each year in online holiday sales means shoppers need to be extremely diligent in making digital purchases. While Black...

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ASSIGNMENT OF BENEFITS: THE LEAK IN PROPERTY INSURANCE THAT’S COSTING FLORIDA HOMEOWNERS THOUSANDS

When a hurricane comes through Florida it’s like a burst pipe in a home. It’s a major event everyone pays attention to that can leave a lot of damage – fast and furious. But there’s something else going on in Florida...

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Plan for safety long before Halloween night By Steve Heiden

Children can help, but let an adult do the carving. It’s almost that time of year when children look forward to trick-or-treating, dressing up in costumes, decorating and obtaining more candy than they can possibly eat....

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Entrust storm repairs to honest contractors By Troy Dohmeyer

When businesses and homeowners are desperate for help to repair and rebuild after a disaster such as a hurricane, tornado or wildfire, they seek assistance from anyone who will offer help. Unfortunately, there are...

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Hurricanes: Plan, prepare, update, repeat By Eric Hoffman

Being prepared for a hurricane requires constant updates and evolving actions. A true state of preparedness means you are ready for something, but more importantly, you are aware of the ever-changing nature of, well.....

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ASSIGNMENT OF BENEFITS: THE LEAK IN PROPERTY INSURANCE THAT’S COSTING FLORIDA HOMEOWNERS THOUSANDS

When a hurricane comes through Florida it’s like a burst pipe in a home. It’s a major event everyone pays attention to that can leave a lot of damage – fast and furious. But there’s something else going on in Florida...

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Swimming Pool Safety Tips

With warmer weather comes an array of for the whole family, including cooling off in a pool if you are lucky enough to have one. But with a pool also comes the responsibility of safety must-haves and best practices...

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Earn a boat insurance discount

Taking a Basic Boating Course Could Pay Off With an Insurance Discount It’s smart to be safe while you’re boating. It’s even smarter to be safe and thrifty. Insurance providers often offer discounts for boat owners who...

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heavy rain? be on the lookout for heavy damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.Spring rainstorms are a fact of life in many...

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Avoid deadly distractions behind the wheel

Not Texting is a Start, but There’s More to Safe Driving Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting...

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Phones a huge distraction, and it’s killing us

Phones are a dangerous distraction, and that’s just part of the story. GPS, radio knobs — anything that lures your eyes off the road is a threat.The advent of the smart phone has brought with it a deluge of texting and...

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Have a plan: Prepare your family for tornadoes

While tornadoes can occur throughout the year, spring and early summer are peak months in most of the United States. Prepare to respond to a tornado by stocking your emergency kit, updating your family’s emergency...

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Be alert for skimmers and scammers!

Before you swipe your bank card or credit card to make a payment or complete a bank transaction, be alert for skimmer devices attached inside or over the real card reader. Criminals use skimmers to capture the...

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Dog Liability - Is It Really Necessary?

How to know if dog liability insurance coverage is right for you - - Man’s best friend is always here for us. But what happens when one goes doggone wild? Dog bite claims account for more than a third of all...

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Whether a Pro or a Novice, Golf Cart Drivers Need an Insurance Buffer

Though golf carts are often associated with leisure and sunny skies, they also come with all of the potential perils that other forms of mechanized transportation present. And much like your car – a mode of...

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Taking a Basic Boating Course Could Pay Off With an Insurance Discount

It’s smart to be safe while you’re boating. It’s even smarter to be safe and thrifty.Insurance providers often offer discounts for boat owners who complete boating basics or safety courses. The best news: You may...

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New Year's Resolutions for Your Home

When the ball drops at midnight on New Year’s, many of us start formulating those all-important resolutions. What are you going to do differently or better next year? Your resolutions can also be extended to one of the...

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Cyber risk insurance: New coverage for emerging risks

It seems you can’t turn on the news without hearing about a cyber-related crime or incident.Criminals are increasingly using ransomware as a means of extortion. Ransomware is a form of malware, usually delivered by...

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Christmas Tree Safety

As the holidays approach, it is important to make safety your number one priority. When it comes to decorating your Christmas tree, keep these 5 safety tips in mind: Watch out for the little ones: Until you can be sure...

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Prevent a parking lot accident this holiday season

During the holidays, when millions of shoppers flood stores and malls, the frequency of parking lot accidents goes up by about 20 percent, according to the Independent Insurance Agents and Brokers Association. To help...

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Staying safe while you celebrate

Celebrate with a live tree – safelyChoose the right tree! Healthy trees have green needles that do not fall off easily and supple, not brittle, branches.Water your tree daily, and keep your tree indoors for no more than...

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What to Do If You Are In a Car Accident

Being involved in a car accident can be a stressful and daunting experience, and a time when you may not be thinking straight or in full control of your faculties. Being prepared beforehand with the proper items, as...

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Roofs Get Old or Damaged and Some Roofers Take Advantage

The roof is an integral part of any house; its purpose is both aesthetic and functional, preserving the belongings within the house and providing protection to the people who live there. In hot, tropical climates,...

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ASSIGNMENT OF BENEFITS (AOB): AN UNFORTUNATE (AND GROWING) TREND IMPACTING FLORIDA HOMEOWNERS

In insurance claims circles, an AOB is typically used in certain lines of business such as auto insurance and property insurance. In the auto insurance arena, an insured signs an AOB which gives the auto body repair...

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Help Minimize the Need for Costly Auto Repairs Simply by the Way You Drive

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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How to Avoid Dreadfully Frightful Surprises From Your Insurance

Halloween can bring out the scary side in us all. As independent insurance agents, we like spooky, too, but certainly not when it comes to your insurance coverage. Some of the insurance misconceptions floating around...

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The Hazards of Halloween

Your porch light is on, the bowl of candy is ready, and your cat whiskers are drawn just so. You’re waiting and waiting until - there it is - your doorbell rings. It’s your first trick-or-treater! Halloween can be a...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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