Roofing Contractor Insurance in Northwest Ohio
Roofing Contractor Insurance in Northwest Ohio: Protecting Your Business From the Risks Above Your Head Roofing is one of the most physically demanding and potentially hazardous construction trades. Roofing contractors deal with heights, ladders, heavy materials, power equipment, vehicles, employees, subcontractors, property damage, and the potential for serious injuries or lawsuits. For roofing contractors in […]
Pharmacy Insurance: Is Compounding Covered?
Pharmacy Insurance: Is Your Compounding Operation Actually Covered? If you own a privately operated pharmacy, you probably assume that your pharmacy insurance policy covers the work your pharmacy performs every day. That assumption could be dangerous. Many insurance companies will write insurance for a pharmacy. The problem is that some pharmacy insurance policies contain exclusions […]
Why Do Insurers Care About Trees, Brush and Weeds?
Why Does My Insurance Company Care If Limbs, Brush and Weeds Are Touching My House? If you have ever had a homeowners insurance inspection, you may have received a letter asking you to trim tree limbs, remove brush, or cut back weeds growing against your house. And your first thought might be: “Seriously? My insurance […]
Indexed Universal Life: When Policies Go Wrong
Indexed Universal Life: When Policies Go Wrong There is a story we see far too often in the life insurance business. Someone purchased an indexed universal life or variable universal life policy years ago. They were shown an illustration that looked impressive. The policy appeared capable of building substantial cash value while providing a permanent […]
Life Insurance for College Students: Why It Makes Sense
Why Life Insurance on Your College Student Makes Sense When your child heads off to college, life insurance probably isn’t at the top of your list. Tuition, housing, textbooks, meals, and student loans seem like much more immediate concerns. However, purchasing a life insurance policy while your child is young and healthy can be one […]
Protect Your 401(k) Near Retirement: Safer Options
Protect Your 401(k) Near Retirement: Safer Options If you’re approaching retirement, you may be looking at your 401(k) differently than you did 10 or 20 years ago. When retirement was years away, market fluctuations were often easier to tolerate. You had time to recover from a market downturn and continue contributing to your account. But […]
Bid Bonds for Contractors | Frost Insurance Agency
Bid Bonds for Contractors: Why the Right Surety Partner Matters When you’re bidding on a construction project, a bid bond is more than a formality. It is an important part of the process of competing for the work you want. Whether you’re bidding on a public project, municipal work, commercial construction, or a larger private […]
Medicare Insurance: What You Need to Know
Medicare Insurance: What You Need to Know Before You Enroll Turning 65 is an important milestone, and for many people it also means making some important decisions about Medicare insurance. Medicare can be confusing. There are multiple parts, different enrollment periods, Medicare Advantage plans, Medicare Supplement plans, and prescription drug coverage. The choices you make […]
Flood Insurance in Ohio: What Homeowners Need to Know
Flood Insurance in Ohio: What Homeowners Need to Know The historic flooding happening across Indiana is a reminder that serious flooding isn’t just a problem for coastal communities or homes sitting next to major rivers. It can happen here in Ohio, too. And there is one important insurance fact every homeowner should understand: Flood damage […]
Bid & Performance Bonds for Large Contractors
Bid & Performance Bonds for Large Contractors: Is Your Surety Ready? Pursuing larger projects? Learn how bid, performance and payment bonds work—and why your surety relationship matters as your construction business grows. Winning larger construction projects can be a major step forward for a contractor. It can also expose a weakness that may have gone […]