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…
As we bid farewell to 2023, we can’t help but feel an overwhelming sense of gratitude for the incredible journey we’ve had together. It’s not just about insurance; it’s about building connections and making a positive impact in the community.…
Each year we take a few moments to look back on our year to review our successes, failures and better prepare for the year to come. Below are a few of our accomplishments we achieved in 2023 and we look…
We are excited to announce that Oklok-Criss & Associates of Steubenville, Ohio will be joining the Dumbaugh Insurance family as of July 1, 2023. Oklok-Criss was founded in 1890 and has a long and distinguished history in the insurance industry. …
Punxsutawney Phil, seer of seers, prognosticator of prognosticators may be able to accurately predict the future, but we need a little help. Striving for Perfection We love to help our clients protect their valuables, assets, vehicles, and homes. We do…
What is a Section 125 Cafeteria Plan?
It is a written plan that gives employees the option to participate in pre-tax deductions of their employee benefits.