Central Insurance

Category: Liability


Tips to Get Your Home Spring Ready!

Spring has always been one of my favorite seasons. All winter I look forward to planting flowers, enjoying the warmer weather and the merciful end of snow and ice. (Not to mention my birthday!) But, spring also brings rain, storms,…

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Prevent Slips and Falls with a Snow & Ice Removal Plan

It’s snowin’ and blowin’ everywhere in Ohio right now and in much of the U.S., but like my grandma says, “It’s that time of year!” There are times when we have to venture out, even during and after winter weather…

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The Benefits of Telematics for Company Vehicles

When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a…

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Condominium Association Risk Management Suggestions

While much of risk management for condominium associations boils down to common sense – ensure exterior surfaces and vegetation are well-maintained, utilize guidelines pertaining to the usage of grills or fire pits, and utilize procedures to ensure association funds aren’t…

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Liability Risks of Halloween 2020

Halloween 2020. Wow, what could go wrong? If this coming weekend is anything like the previous six months, plenty. With COVID-19, trick or treating will take on a different look this year, and so will your liability risks. I have…

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Excess Policy or Umbrella Policy? What’s the difference and which is better?

One of the questions a commercial lines underwriter hears most is, “Is your umbrella follow-form?” Basically, will it only increase the limits of my current coverage (follow-form), or will it also offer some additional coverage (umbrella)? Of course, the answer…

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Business Insurance 101: Where Do New Business Owners Start?

If you’re the proud owner of a new business – or even just kicking around the idea of hanging your own shingle – you’ve probably realized that there is a lengthy list of items and issues to address. From startup…

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Are Your Servers Trained and Certified with TIPS?

We didn’t know if there would be a football season this year, but here we are! The BIG Ten has even reversed its earlier decision, and now games will start in October…GO BUCKS! COVID-19 has changed how we’ll watch these…

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Buying a New Car? Don’t Forget the Insurance!

Buying a new car is such an exciting experience. You’ve done all the research, you’ve finally found the perfect car and you are about to pull the trigger and start the purchasing process. But are you prepared? Did you bring…

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Imagine…your insurance policy doesn’t fully cover a liability loss. Then what?

Imagine your child and his friends are playing with the new, family pup in the backyard. Suddenly, the dog bites your son’s friend in the face causing permanent harm. You are legally liable for the costs, and the limits on…

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