In today's digital age, the threat of cyber attacks is a reality that small business owners in Ohio cannot afford to ignore. With an increasing number of businesses relying heavily on online operations and data storage, the risk of falling victim to cyber threats has significantly escalated. This makes cyber insurance not just an option but a necessity for these enterprises. Cyber insurance acts as a shield against various online threats such as hacking, phishing, ransomware attacks, and data breaches. It provides coverage for financial losses resulting from these cyber incidents, ensuring th ..read more

In the dynamic world of business, unforeseen circumstances can lead to unexpected closures. For Ohio small business owners, these interruptions can pose a significant financial risk. This is where the importance of business interruption insurance comes into play. It serves as a safety net, providing coverage for lost income and operating expenses during periods of forced shutdowns. Whether it's due to natural disasters, equipment damage, or other disruptive events, this type of insurance ensures that your business can weather the storm without causing undue financial strain on your personal l ..read more

Welcome to a world where understanding property insurance is not just necessary, but also empowering. In the complex landscape of homeownership, one aspect that often gets overlooked or misunderstood is property insurance. It's easy to get lost in the jargon and misconceptions surrounding this topic, leading many to make uninformed decisions that could cost them dearly. The importance of comprehending property insurance cannot be overstated. It serves as your financial shield against potential losses caused by damage to your home or personal belongings. Yet, there are numerous myths circulati ..read more

Compact tractors are a significant investment and an essential tool for many homeowners with a couple acres of land. As such, it's crucial to protect this valuable asset with specialized compact tractor insurance. Unlike standard homeowners or farm policies that may not fully cover the unique risks associated with these machines, compact tractor insurance is designed specifically to address these needs. This type of insurance provides comprehensive coverage for your compact tractor against various potential damages like theft, fire, vandalism, or even natural disasters. It also covers liabili ..read more

In the rapidly evolving world of transportation, E-bikes have emerged as not just a eco-friendly transportation alternative but as an accessible recreational activity. However, with this surge in popularity comes an increased need for protection - specifically, E-bike insurance. Many riders may not realize the potential risks associated with uninsured riding until it's too late. From theft to accidents, the costs can quickly add up, leaving you financially vulnerable. Despite these risks, options for E-bike insurance remain surprisingly limited. Traditional auto insurers often don't cover E-b ..read more

We are currently in a bit of a hard market across the country and Ohio is no exception. In this blog we will identify a few reasons you may find difficulty finding home insurance in Ohio. Then we will talk about other options you may have in finding coverage. My goal is that you are able to avoid hearing non-renewal, cancelation and lapse of coverage when it comes to your home insurance. My secondary objective if that if you do hear those words, you will not be in a helpless situation without coverage.  Possible reasons your home insurance might be canceled or non-renewed. Claims: It is ..read more

Credit reports are a crucial component in the financial landscape, impacting various aspects of our lives. One area where they play an unexpectedly significant role is in determining insurance rates. Insurance companies use credit reports as a predictive tool to assess potential risks associated with providing coverage to individuals. The logic behind this practice lies in the correlation between financial responsibility and claim frequency. Studies have shown that individuals who manage their finances well tend to file fewer insurance claims. Therefore, insurers often consider credit history ..read more

Experiencing a car accident can be an overwhelming event. Amidst the shock and confusion, it's crucial to know what steps to take immediately after such an incident. This knowledge not only ensures your safety but also protects you legally and financially. Particularly in Ohio, where specific state laws govern auto insurance claims and settlements, understanding these procedures becomes even more critical. Ohio Car Insurance plays a significant role in this process. It provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liabilit ..read more

The unimaginable has happened, and now you will need to deal with the headache and hassle. We are here to help you, beginning with whom to call after an accident. Not at-fault accidents can be complicated and are rarely ever the same. It's important to have an agent to advise you on the best course of action depending on the circumstances. Pros of calling your own insurance In a car accident coverage, you can make a claim on your own car insurance company. Your insurer will pay for all the car expenses, minus any deductibles. The driver, which is at-fault, might not contact their insurance co ..read more

I hope you all enjoy a wonderful and memorable Memorial Day weekend! We will be closed Saturday, Sunday, and Monday. If you need anything you can call or text on my mobile number (330)465-0930. ,Click here to see our company direct numbers to pay bills, make changes, and submit claims. Thanks! Trent Oyer, CIC ..read more