What to do when buying a new or used car

By | agency, buy, buying, car, collision, comprehensive, coverage, deductible, endorsement, gap, independent, injury, Insurance, lease, liability, loan, model, new, Personal Insurance, policy, purchase, replacement, truck, used, value, van, vehicle, vehicle identification number, VIN, year
buying-a-new-or-used-car

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are some tips.

The post What to do when buying a new or used car 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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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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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[…..]

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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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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?

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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.

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