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ADDRESS
Lima Office
212 W. High St.
Lima, Ohio 45801
Bluffton Office
105 S. Main St.
Bluffton, Ohio 45817


Protection for Youth Sports Coaches
I could go on for some length on the personal meaning of coaching for me, but my purpose here is to address some questions that I never...
Sep 30, 20142 min read


Bargain Insurance Coverage Could Leave You Broke
When purchasing insurance, you should look at which insurance option presents the best value, not the cheapest price. What good is buying...
Sep 26, 20142 min read


Make Time To Make a Home Inventory
So what are the consequences? Some things don’t get finished and some very important things never get started. Sometimes these things are...
Aug 29, 20142 min read


Special Limits for Your Special Possessions
Watch our video to learn more about homeowners coverage limits! Often when we have a new claims representative handling property losses,...
Jul 24, 20143 min read


Avoid the Fender Bender: Look Before You Leave
Parking lot incidents are very common but when the proper precautions are taken the likelihood that you will be involved in one can be...
Jul 18, 20142 min read


What Is a Percentage Deductible in Insurance?
When protecting your home from the unpredictable forces of nature, understanding your insurance policy is crucial. While most people are...
Jul 14, 20142 min read


An Ounce of Prevention is Worth A Premium Savings!
Besides the obvious benefits such as protecting your home and loved ones, did you know preventative measures are a great way to earn...
Jun 24, 20143 min read


Why You Should Keep Your Collision Coverage
Vehicles tend to hold their value for much longer now than in the past. There seem to be a couple of reasons for this. First, vehicles...
Jun 20, 20142 min read


Are You Covered for Your Canine’s Conduct?
But, as a consequence of my job in claims, the last neighborly activity gives me pause. What if one of those dogs was to snip at a child...
Jun 18, 20142 min read


The Lowdown on Deductibles
Why do people think insurance is annoying? Is it because it’s confusing? I agree that insurance can be confusing, even for someone who...
Jun 12, 20142 min read


Is Your Roof Tops on Your Home Maintenance Checklist?
One of the most critical components of any home is its roof. Unfortunately, it is often the most overlooked in terms of regular...
Jun 5, 20142 min read


Getting What You Pay For: The Value of the Independent Agent
If you’re like most Americans, it’s possible you don’t have enough money saved to rebuild your home or repair or buy a new auto should...
Jun 3, 20142 min read


Debunking the Back Belt Myth
One common myth is that a back belt can help protect your back from injury. In fact, not only are they not required by the Occupational...
Apr 29, 20142 min read


When Everything Old Becomes New Again
When it’s a small property loss, we can understand why it might have taken so long to file the claim. You thought that missing piece of...
Apr 10, 20143 min read


If a Tree Falls Into Your Yard, Are You Responsible?
One suggestion seemed especially timely this week as we are crawling out from under a pile of claims related to the recent ice storms in...
Mar 20, 20142 min read


6 Ways to Help Reduce Your Workers’ Comp Premium
While claim activity is usually out of your control – accidents happen – there are some things you can do to help show your carrier you...
Feb 21, 20141 min read


Mold: The Four Letter Word in Insurance
Mold, per se, is not covered, but sometimes a covered loss results in mold and then, depending on policy language, coverage might be...
Jan 8, 20142 min read


New Year, New Agent? Choosing the Right Type for Your Insurance Needs
It’s important to understand what types of insurance agents you have to choose from. In general there are three main groups: Online or...
Jan 3, 20144 min read


A Day in the Life of Your Claim Representative
Your claim representative’s day can be a long one. We have two groups in my office – one group prefers to come in early and get a head...
Dec 17, 20133 min read


Control Your Losses to Cut Your Premiums
Business owners should partner with their independent agent to routinely analyze their claims with an emphasis on frequency. There is an...
Nov 21, 20132 min read
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