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If you have recently reviewed your insurance renewal policies, you may be one of many asking yourself, ‘why did my premium go up so much this year?’ Several trends have impacted home, auto and liability premiums, including weather and non-weather related losses (water), increased costs of technology in homes and…

Know the Risks. Plan Ahead. Be Prepared Consider attending our Family Preparedness/Disaster Planning Discussion Monday, Oct. 28 at the Oswald Conference Centre (via in person or Live Webinar), where we will discuss hazard identification, assets at risk, impact of disaster, and other important elements. You may find yourself, your family,…

As kids pack up and leave for college, they launch the next exciting chapter of their lives. While they celebrate, we parents keep on worrying from afar, a “skill” we’ve been practicing since the day they were born. We know they’re not quite fully grown yet—despite what they tell us…

As you sit watching the evening news at almost any time of the year, there are bound to be stories about rising waters engulfing a road, a home, and maybe even an entire neighborhood. As you watch in horror, do you wonder if your current homeowner’s, condominium or renter’s insurance…

CLEVELAND — Jan. 23, 2019 – Moira Lyon of Oswald Companies has earned the Certified Advisor of Personal Insurance (CAPI) designation from the Aresty Institute of Executive Education at the Wharton School of the University of Pennsylvania and Chubb Personal Insurance. Lyon is among a group of 38 agents and…

The snow and ice that blankets nearly 70% of the nation’s roadways during the winter months each year presents drivers with challenges that can result in vehicle crashes if they are not prepared. The winter weather crash statistics provided by the Federal Highway Administration indicate that over 1,300 people are…

People of all generations are embracing social media: we want to interact with others, to know what they are doing and talking about. Today, dozens of social platforms and messenger applications promise us the ability to do this instantly. Research shows that people today spend up to two hours each…

Water can be complex, especially when viewed from an insurance lens. This may be why so many questions are raised when evaluating a claim for damage caused by water. Is there coverage? What is the deductible? Should I have purchased special coverage or higher limits? We hope the following examples…

You do not need to live in a flood zone to experience a flood. The following article from our partners at Assurex Global, “April Showers Brings May Floods,” indicates that nearly 25% of flood insurance claims come from areas mapped outside high-risk ‘flood zone’ areas. Further, according to U.S. Spring Outlook…

Don’t get caught driving without it. Uninsured motorists and underinsured motorists coverage, commonly referred to as “UM/UIM” coverage, provides you with bodily injury protection in an auto accident which is caused by another party who has low, or no limits of liability. If you are involved in an accident where…