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Holiday list: Give the gift of life insurance!

By agent, annual, benefit, cash value, cover, coverage, family, financial, future, growth, health, holiday, independent, insurability, Insurance, insure, life, Life Insurance, lifetime, low, policy, premium, protect, security, underwriting
life-insurance-holiday-gift

The annual holiday search is on for the perfect gift for your children or grandchildren. You can spend a lot of time and effort buying gifts … it can be overwhelming. You recognize that as children grow, their interests change. Last year’s trending gifts become this year’s trash. What if I told you there is a gift you can purchase that you won’t have to throw out and that can benefit a child for years to come?

The post Holiday list: Give the gift of life insurance! appeared first on The Cincinnati Insurance Companies blog.

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Make your boat shipshape for the season

By agent, air, animals, anode, anodes, antennas, batteries, boat, brackets, cabin, Capstone, charge, clean, cover, cracked, damage, engine, frayed, GPS, hoses, independent, Insurance, mold, preparation, prepare, scupper, seacocks, shipshape, shrink, vessels, water, wires, wrap, zincs
make-boat-shipshape

After being bundled up for the winter, your boat needs a little attention as you remove the shrink wrapping or heavy winter cover. Follow a few tips to make the experience easier and more pleasurable.

The post Make your boat shipshape for the season appeared first on The Cincinnati Insurance Companies blog.

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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
signs-insurance-risk-CGL

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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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
assess-life-insurance

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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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
4-reasons-epli

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 first on The Cincinnati Insurance Companies blog.

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Lightning, power surge? EBC can protect your property

By agent, air conditioning, breakdown, building, business, Business Insurance, computer, cover, coverage, device, devices, electrical, electricity, equipment, independent, Insurance, lightning, manufacturing, power, property, protect, refrigeration, surge
lightning-over-city

Most companies large and small depend on electrically powered equipment for some part of their business: air conditioning and refrigeration, computer systems and manufacturing equipment, for example. Lightning and the resulting power surge are a common threat. But you can protect your business by purchasing equipment breakdown coverage.

The post Lightning, power surge? EBC can protect your property appeared first on The Cincinnati Insurance Companies blog.

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Artwork on wheels: Insuring your collector auto

By acquisitions, agent, agreed, antique, auto, automobile, car, claim, collect, collection, collector, cover, coverage, display, drive, exhibit, exotic, fine art, function, garage, glass, independent, Insurance, liability, limited, modern, muscle, parts, personal articles, policy, production, property, protect, protection, roadside, schedule, scheduling, spare, supercar, Valuable Articles, value, vehicle, vintage
collector-car

You’re an automotive enthusiast, a connoisseur of fine machines; only the best will do. Each car you own – whether it’s an exotic supercar, an antique muscle car or a limited production modern collector vehicle – is mechanically and visually perfect down to the minutest cosmetic detail. These are not just cars to you; they are rolling pieces of fine art where form and function meet in perfect harmony. So when it comes to insurance, why not consider insuring their property damage coverage on a personal articles policy?

The post Artwork on wheels: Insuring your collector auto appeared first on The Cincinnati Insurance Companies blog.

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Personal property may need additional protection

By agent, agree, articles, blanket, breakage, cameras, claim, claims, coins, collection, collector, cover, coverage, deductible, disappearance, earthquake, fine art, fire, floater, flood, furs, guns, homeowner, house, independent, Insurance, insure, insured, jewelry, location, loss, losses, maximum, musical, mysterious, new, personal, policy, possession, possessions, property, protect, rare books, silverware, sports, stamps, terrorism, theft, transit, Valuable Articles, valuables, value, wine
personal-property-example

Homeowner insurance isn’t just for the structure of your house. It also provides protection for most of your personal possessions. Some possessions of special value may require additional protection through a personal articles floater that can provide coverage beyond your standard policy.

The post Personal property may need additional protection appeared first on The Cincinnati Insurance Companies blog.

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If a tree falls, who’s responsible?

By agent, arborist, branch, branches, conditions, Consumer Tips, cover, coverage, damage, disease, fall, homeowner, house, independent, inspect, Insurance, language, lightning, nature, negligence, negligent, policy, property, responsibility, responsible, storm, terms, tree, trees, trim, wind
tree-on-house

Fallen trees and branches are a significant cause of damage and power loss after a thunderstorm rolls through. But if a neighbor’s tree falls on your property and causes damage, who is responsible?

The post If a tree falls, who’s responsible? appeared first on The Cincinnati Insurance Companies blog.

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Safeguarding your fitness club’s good reputation

By abuse, agent, assault, awareness, claim, club, cover, coverage, fitness, Fitness & Recreation, independent, Insurance, insure, misconduct, molest, molestation, operations, policy, preserve, prevent, prevention, protect, recreation, sexual, sports, staff, training, update
signs-insurance-risk-CGL

The February 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 having a sexual misconduct awareness and prevention policy can protect a fitness club’s staff and clients.

The post Safeguarding your fitness club’s good reputation appeared first on The Cincinnati Insurance Companies blog.

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