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Cincinnati Insurance Blog

Know the basics of employment practices liability

By agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful
The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee. The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.
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How to select a roofing contractor

By agent, Bureau, busness, certificate, choose, clean-up, Consumer Tips, contract, Contractor, estimate, guarantee, independent, installer, Insurance, law, local, municipality, ordinance, payment, pick, proof, ratings, regulation, reputable, reputation, roof, roofer, roofing, safety, schedule, select, shingle, state, warranty, workmanship
Is your roof looking worn or damaged? Has a storm come through your area recently? If your roof is not in good shape, it’s a good idea to replace it quickly to prevent damage to your home. Replacing your roof can be a large financial decision, so you’ll want to find a roofing company that will do the job quickly and efficiently. But how do you pick one? The post How to select a roofing contractor appeared first on The Cincinnati Insurance Companies blog.
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Don’t put it off: Assess your life insurance

By affordable, agent, benefit, care, childcare, cost, cover, coverage, education, expenses, family, financial, help, independent, Insurance, life, Life Insurance, LIMRA, loved, mortgage, need, payments, peak, policy, protect, salary, survivor, term, time, utilities, wages, whole, years
Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade organization, also found that 3 in 10 families would be in immediate financial trouble if a primary wage earner died. And, nearly half of respondents would experience financial adversity in just six months. The post Don’t put it off: Assess your life insurance appeared first on The Cincinnati Insurance Companies blog.
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Not on the coast? Tropical storms may still threaten

By agent, battery, claim, coast, coastal, construction, damage, debris, downspouts, emergency, flood, generator, gutters, hurricane, hurricanes, independent, inland, Insurance, landfall, loss, phone, power, prepare, prevent, property, protect, rain, shutoff, storm, Storm Prep, storms, tropical, vehicles, warning, watch, wind, windows
Coastal dwellers remain on alert during hurricane season, but inland residents can be caught off-guard after a hurricane or tropical storm makes landfall. While the storm may diminish in strength, the potential remains for severe damage from winds and heavy rain. When you know a storm is coming, take steps to minimize damage and speed recovery. The post Not on the coast? Tropical storms may still threaten appeared first on The Cincinnati Insurance Companies blog.
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Poison prevention: Safety tips for parents and caregivers

By accidental, adult, agent, battery, cabinet, cap, carbon, child, children, coal, detergent, doctor, independent, Insurance, kerosene, lock, medicine, monoxide, number, paint, pediatrics, pharmacist, phone, poison, poisoning, prepare, prevent, prevention, protect, safety, Safety Tips, varnish, wood
More than 2 million people – about half of them under age 6 – swallow or have contact with a poisonous substance each year, according to the American Academy of Pediatrics. Be prepared in case of an accidental poisoning. The post Poison prevention: Safety tips for parents and caregivers appeared first on The Cincinnati Insurance Companies blog.
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Keeping up with the seasons: Time for fall tasks

By access, accident, agent, air, autumn, Autumn Prep, boat, boiler, check, circulatory, clean, close, cold, convertible, damage, drain, fall, freezing, furnace, gate, gutters, heating, ice dam, independent, indoor, inspect, inspection, Insurance, liability, lock, money, motorcycle, periodic, pipes, policy, pool, premium, prepare, prevent, property, protect, quality, RV, safety, save, season, seasons, snow, storm, swimming, weather, weatherstripping, window
We’re less than four weeks from the start of fall: time to start thinking about some annual tasks if you live in a part of the country with seasonal temperature changes. Our bloggers have you covered. Here are some posts from the past that can help you through the change of seasons. The post Keeping up with the seasons: Time for fall tasks appeared first on The Cincinnati Insurance Companies blog.
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4 reasons small businesses decline EPLI coverage

By agent, business, Business Insurance, claim, claims, cost, cover, coverage, defense, dental, distributor, employment, EPLI, funds, independent, industries, Insurance, large, legal, liability, manage, managing, manufacturer, medical, practices, process, protect, publisher, restaurant, retail, risk, small
Many owners of smaller businesses make assumptions about Employment Practices Liability Insurance – and some of those assumptions are not true. EPLI coverage provides vital protection for a small business. EPLI provides a limit of insurance, separate from the standard commercial policy, to protect your business operations against many actual or alleged wrongful acts. Those could include personnel and staffing matters, hiring and firing or allegations of discrimination in the workplace. Because circumstances can vary widely, it’s important to assess your situation, consult with your attorney and speak to an The post 4 reasons small businesses decline EPLI coverage appeared…
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Don’t underestimate the risks of pressure washers

By agent, bruise, carbon monoxide, clean, CO, damage, danger, dangerous, deck, driveway, electric, flesh, hazard, hazards, hurt, independent, infection, injure, injured, injuries, injury, Insurance, laceration, lacerations, lawn furniture, patio, power, pressure, prevent, property, protect, Safety Tips, siding, spray, washer, water
Pressure washers are a quick way to clean the dirt and grime from siding, driveways, decks, patios, lawn furniture and other items. But while results may look great, users should beware: Pressure washers are deceptively dangerous. The post Don’t underestimate the risks of pressure washers appeared first on The Cincinnati Insurance Companies blog.
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