What is a Personal Umbrella policy you ask? It’s an excess liability policy above and beyond your personal insurance policies. Like an...

How potentially harmful is the product?  If only a component part, what is the ultimate product?  Parts used in aircraft and medical...

I grew up in a small town on a small farm where my dad owned about 20 acres of woods.  I can remember people, many of whom we did not...

After purchasing our golf cart a couple of years ago, my husband and I had to ask ourselves how to properly protect ourselves and our new...

My neighbors were trying to convince me that the trampoline was a safe activity, especially with the protective netting. While the...

I know what you’re thinking, “Why does it matter and what business is it of theirs what type of dog I have?” The answer is quite simple –...

There are several liability coverage limits to choose from on a homeowners policy, but I always add the highest liability coverage I can...

The coinsurance clause is a provision which requires you to carry enough insurance on your property so the coverage amount is equal to a...

Drunk driving is a serious issue in America. According to the Mothers Against Drunk Driving (MADD) website, there were 9,878 DUI-related...

What began as a way to brighten a dreary day has turned into a nightmare and tragedy of epic proportions.  Two adolescent girls in the...

Auto accidents while driving on slippery roads. Wet or slippery ladders, scaffolding, and machinery, etc. Slip and fall injuries on the...

Many people hold the common misperception that directors (including trustees) and officers of nonprofits do not have a meaningful...

Workers’ Compensation, per Wikipedia, is a form of insurance providing wage replacement and medical benefits to employees injured in the...

Sometimes, these questionable or “strange” claims can be delayed for weeks or even months while the employer tries to determine if it...

Vacant Buildings Junk yards Ponds Betty Boop Answer:  they can all be considered an “attractive nuisance!”  They attract attention just...

I think you can imagine the types of situations involved here…a lot of innuendo and inappropriate behavior to go around.   But if you...

When we have heavy winds, the amount of downed tree claims greatly increases, as you can imagine.  Worst case scenario is a tree blowing...

My oldest daughter works at a local fast-food restaurant.   While she has just entered college, she started working at the restaurant...

Consider this:  trick-or-treaters are considered “social guests” as classified by Ohio law.  A host who invites a social guest onto his...

1.  Notify the police. Always contact the police so a report can be filed in case there is a dispute about liability.  Most people would...