A small business may depend on equipment
such as a cooler for flowers.
When you hear machinery and equipment discussed as an available insurance coverage, you may envision huge mechanical or electrical apparatus associated with large-scale operations or massive production floors.
You may conclude that your family-run flower shop or small- to medium-sized business doesn’t need this type of coverage. Read More
The insurance industry is growing and has a high need for talented professionals with a variety of training and skills. Recruiters are asking job seekers “where do you fit in?” In this series, Cincinnati Insurance associates describe their own career journeys.
Most college graduates look for positions in the field that they studied. As a criminal justice major, I spent two years working at a gym while searching for jobs in my field. I didn’t want to be a police officer, and that appeared to be the only hiring position. My parents didn’t hide their displeasure with my career choices thus far and made it very clear that they wanted me to get a “real” job. It hadn’t occurred to me to venture outside of my concentration. Read More
Make sure the insured value of your home
keeps up with your home remodeling plans.
While stuck indoors this winter, did you look around and plan any home projects? Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.
The Coverage A limit on your homeowner policy is the amount of insurance you have to reconstruct your home in the event of a total loss. All costs associated with replacing or rebuilding your home are considered when developing this Coverage A limit. When you make changes that increase the value of your home, you may also need to increase the coverage limit.
Most areas of the country experience hail storms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers.
A major hail storm can severely damage fins on your heating, ventilation and air conditioning equipment, rendering it inoperable. That may affect your operations or cause you to cancel functions.