Insurance language can sound confusing, but it doesn’t have to be. At its heart, it’s just about making sure you can replace the things you need for your business, whether they’re stuck in the office or always on the go.…
Why Coinsurance matters: 1. It Determines the Minimum Required Coverage The coinsurance clause specifies a percentage, 80%, 90%, or 100% of your property’s total replacement value that you must insure. 2. It Prevents Underinsurance and Ensures Fair Premiums Most property…
Celebrating a Legacy: David Dumbaugh Retires After 63 Years of Service After an extraordinary 63 years serving our community, we are honored to celebrate the retirement of David Dumbaugh. David graduated from Fredericktown High School in 1958 and went on…
We’re excited to share that Ali Krempel, our Junior Account Manager, has officially earned her Property & Casualty Insurance License! Ali worked hard to complete the required coursework and pass the state licensing exam – a big accomplishment that shows…
Are You Covered if Something Goes Wrong? It’s becoming more common for employees to ask if they can bring a comfort or emotional support animal to work. While many employers want to be accommodating, this kind of request raises an…
In today’s digital landscape, cybercriminals are continuously evolving their tactics to exploit unsuspecting individuals and businesses. One such deceptive method is reverse social engineering—a sophisticated approach where the attacker manipulates the victim into initiating contact and willingly providing access or…
No, but it’s not that simple. Ohio does not have a specific “roof matching law” that mandates insurers to cover the total replacement of a roof if the new materials do not perfectly match the undamaged portions. Instead, Ohio law…
In the insurance industry, market cycles play a pivotal role in shaping pricing, coverage availability, and underwriting standards. Understanding these cycles is essential for insurance professionals, businesses, and consumers. Let’s review the different insurance market cycles, focusing on the two…
Why Life Insurance Life insurance is there to help your loved ones with financial needs if you aren’t there anymore. Consider your mortgage and other debts, how much income would need to be replaced, money to cover a funeral, and…
Valentines Day, anniversaries, and other special occasions often end with precious gifts such as jewelry or other valuables. While the gift is a token of love or appreciation, it is often times a valuable investment. Making sure you have these…