Archive for the ‘Blog’ Category

As cyber risks continue to evolve and insurance providers work to reduce exposure for commercial clients, confusion persists regarding first- verses third-party cyber insurance coverage.

For many companies – particularly a tech company that deals with other businesses – third-party cyber coverage if often much more important than first-party coverage.

First-party cyber coverage – protection for the data you own, such as information that pertains to your customers or employees

Third-party cyber coverage – provides protection for liability associated with your customers’ data, among other things.

The bottom line, talk thoroughly with your insurance advisor about your operations so they can help you correctly cover all your exposures in this area.

Here we are at the beginning of another new year!  It’s the perfect time to review various financial plans that exist in your family – and to make sure your lifestyle for you and your family is as protected as possible.

First, you will want a plan that is specifically tailored to your needs and the needs of your family.

You may want to consider term life insuranceif you need coverage only for a specific period of time or if you have a limited budget.  A specific period of time might range from one to 30 years and pays a death benefit only if you die during that specified period of time.  That is why it’s commonly referred to as “temporary” life insurance.

On the other hand, you might need permanent life insurance which is an appropriate way to meet long-term needs.  You would choose this product, known as whole life or universal life, if you need estate planning or if you want life insurance that is guaranteed for life.   These premiums are fixed and the policy accumulates cash value on a tax-deferred basis.

In either case, feel free to contact a life insurance representative from any of our 12 locations to assist you with sorting out all the options and tailoring a plan specifically for you and your family.

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Scientific evidence points to five steps that we can take to improve our mental wellbeing. If you give them a try, you may feel happier, more positive and able to get the most from your life.

Your mental health is important. Some mental illnesses, such as depression and anxiety, are common. If you have such an illness, it’s important to get the right treatment.

However, there’s more to good mental health than avoiding or treating mental illness. There is also positive mental wellbeing.

Evidence suggests there are five steps we can all take to improve our mental wellbeing. If you approach these steps with an open mind, and genuinely give them a try, you can judge the results yourself.


Connect with the people around you: Your family, friends, colleagues and neighbours. Spend time developing these relationships. Learn more in Connect for mental wellbeing.

Be active

You don’t have to go to the gym. Take a walk, go cycling or play a game of football. Play Pokémon Go! Find the activity that you enjoy, and make it a part of your life. Learn more in Get active for mental wellbeing.

Keep learning

Learning new skills can give you a sense of achievement and a new confidence. So why not sign up for that cooking course, start learning to play a musical instrument, or figure out how to fix your bike? Find out more in Learn for mental wellbeing.

Give to others

Even the smallest act can count, whether it’s a smile, a thank you, or a kind word. Larger acts, such as volunteering at your local community centre, can improve your mental wellbeing and help you build new social networks. Learn more in Give for mental wellbeing.

Take notice

Be more aware of the present moment, including your feelings and thoughts, your body and the world around you. Some people call this awareness “mindfulness,” and it can positively change the way you feel about life, and how you approach challenges. Learn more in Awareness for mental wellbeing.

By Dane Albright

Make a positive plan to continue your business for future generations.

When it comes to business continuation planning, the phrase “you can either fail to plan or plan to fail” certainly applies. As a business owner, you may have created a formal business plan or have done no planning at all. But if you fail to plan your own exit strategy, forces beyond your control may create a plan for you.

Business continuation planning is a systematic plan to either continue or dispose of your business interest in the event of your retirement, disability or death.

Many business owners hold one of three common misconceptions:

  • My family can run my business.
    In many instances, the family may not be capable nor interested in running the business. No one in your family may be capable of completing your duties, and it may take substantial time and money to hire a replacement. Without your expertise, banks may be less likely to lend money to keep the business afloat.
  • One of my employees can run my business.
    Possibly, but wouldn’t they want to be compensated for the additional duties of running a business? How do they pay the surviving family members for their share of the inherited business? If the employee does a poor job, the value for the heirs decreases.
  • A competitor will buy my business.
    This could happen, however, it is more likely that a competitor will look to take customers from your business or pay a “fire sale” price for the business as a whole.

There are several types of life insurance that can help.


Key person life insurance is owned by the business on the life of a key employee, purchased to help reimburse an employer for the economic loss caused by the death of the employee. As such, key person life insurance is not just a specific type of life insurance policy, but is an effective way for a business entity to use life insurance. With appropriate ownership and beneficiary designations, the policy can be used to fund business needs.


A buy-sell agreement funded with life insurance provides that someone (for example, the business entity, the surviving owners or a key employee) will purchase a deceased owner’s interest at an agreed-upon price; and the deceased owner’s estate is obligated to sell the interest at that price. Life insurance provides the immediate funds necessary to complete the transaction.


Personally owned life insurance provides income replacement for your family to meet current needs, reducing the immediate pressure at the time of your death.

Life insurance can play an integral part of your business continuation plan and protect your, your heirs’ and your employees’ interests. Speak with your agentand your attorney to make sure you have appropriate measures in place.

Cincinnati Life Insurance Blog

By Cincinnati Insurance

Closing the pool safely is one task to remember this fall.

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.


Whether it’s a forced-air furnace at home or a boiler in your business, now is the time to get it inspected. Just as you need regular checkups for your body, your building’s “circulatory system” also needs periodic inspection. Have a qualified inspector look things over, just to be safe. Sometimes this is covered at no additional charge in a service agreement. Make sure your heating system is in shape when you are ready to fire it up in cold weather.


Even grown-ups have toys, and some of them (motorcycles, boats, convertibles or RVs) have price tags that are not child’s play. But in cooler areas, the change of seasons means an opportunity to save a little money. If you store your car, boat or motorcycle for the cold months, see if your insurance policy offers a credit. You’ll still want property coverage, but if you’re not using your toy, you might not need the liability coverage for the winter months and can save the associated expense.


Before it gets too cold or unpleasant to work outside, make one last run at your home maintenance “to-do” list. Gutters, pipes, storm windows, weatherstripping – it’s a lot easier to work on them now than to wait until it’s below freezing.

Steps you take this fall to maintain your home can keep you warm this winter and protect your property from loss.

As you take advantage of fall weather to work on projects around your home, pay special attention to these potential trouble spots:

  • Clean out your gutters. Remove leaves and other debris from your guttersfirst by hand to get rid of the large particles, and then with a scraping tool and water hose before cold weather arrives. This helps to prevent overflows and ice damming. Ice dams are caused when snow melts on a heated part of the roof, then refreezes on a colder portion of the roof.  This creates a dam and allows water to back up under the shingles, causing damage to insulation and interior ceilings or walls. The University of Minnesota Extension Service has more information about preventing ice dams.
  • Make sure downspouts properly guide the water away from the home.Direct downspouts at least 6 feet from the foundation.
  • Use door sweeps and caulk to block drafty areas of the home from the winter cold. Common areas for these are recess lighting areas, electrical outlets, door frames and windows.
  • Have your furnace and chimney checked and cleanedannually. Change your furnace filter regularly; every three months is typical.
  • Vacuum out your air ducts.Every few years, the air ducts should be vacuumed to help make sure that heated air passes through with no obstacles.
  • Remove screens and put up storm windows. Add weatherstripping to seal out cold air, increasing your furnace’s efficiency.
  • Reverse the circulation of your ceiling fans.As you fire up the furnace for the heating season, reverse your ceiling fanblades to rotate clockwise, creating an updraft that forces warm air down into the room. This can provide additional energy savings.

Taken from Cincinnati Insurance Company’s Blog

July 16, 2018

As a Home Improvement professional, it is vital that you are familiar with the many trends that have entered the Home Improvement market. Just like the Fashion Industry, things tend to be in-style one moment, and out of style the next. But, just like the Fashion Industry, things that were once popular often regain their popularity as time passes.

Chances are, if you’ve been a contractor for some time, you’ll recognize a few of these trends. Some of them were once quite trendy, and then their popularity faded. Now, though, they have regained popularity and become very trendy, especially for smaller homes.

Right now, small homes are incredibly popular, due to their size, affordability, and lack of damage to the environment. Those reasons make these homes very popular, especially with Millennials, who are concerned about size, affordability, and making sure the environment remains stable and secure.

Hardwood Plywood Furniture

Hardwood plywood is a very familiar material. It was used a lot, back in the day, and it is still used a lot. However, it is very easy to forget just how much you can do with it.

You can use hardwood plywood for all kinds of furniture. Whether you’re using it for tables or chairs or desks; hardwood plywood is a fantastic material due to this incredible amount of flexibility and its open-ended nature as a material.

This doesn’t really get into the heart of why it is so popular, though. In reality, the reason it is so popular is because, while it is an inexpensive material that can be used for many different types of furniture, it is also an incredibly beautiful material, and it comes in many different colors and hues, which are all absolutely stunning!

Unique Metal Furniture Pieces

Metal furniture is very stylish, giving off a very “futuristic” aura, while also remaining incredibly durable and incredibly versatile, due to the many styles and shapes that these furniture pieces are crafted in!

More and more people want to have unique contemporary furniture that they can use as a focal point for their home. People want to differentiate their homes from those of others, and unique metal furniture is one of the best, and most popular, ways to do it.

As a professional, you should know that Id Metalco is one of the best brands for finding these unique and stunning pieces that people love using in their homes!

Handcrafted Furniture

Handcrafted furniture is an excellent addition to any home, but especially small homes. Why is this? Small homes have less space, and they need to not only maximize that space, but, using fewer pieces of furniture, they need to create the feelings that they want to be in their home. Having a great piece of handcrafted furniture – such as an Amish bookcase – creates a sense of history, practicality, togetherness, and relaxation that is vital for any home, but even more so in a small one!

High Performance Flooring

It goes without saying, but flooring covers the entirety of a home. Therefore, it is one of the most expensive and time-consuming processes that comes in when you have to work on a home. On top of that, most flooring materials aren’t very good for the environment, and some are actually very unsanitary.

Engineered hardwood flooring has become a trend due to the fact that it is incredibly durable – it’s engineered to be that way – and it’s better for the environment. On top of that, it requires less maintenance! More and more people are having engineered hardwood flooring installed, because of those reasons.


(Taken from