Your goal is to help people, and you need to have the right insurance protection for your social service based non-profit. You know the value of the work that you do, and others benefit greatly from your non-profit and the social services that you offer. It only makes sense to have the right insurance coverage for your Ohio non-profit - but you may not know where to start. That is totally understandable! There are many coverage options so it can be a lot to take in, and trying to navigate the ins and outs of the right insurance coverage for your non-profit can be overwhelming. However, when you keep in mind the protection that your unique situation needs and have a knowledgeable agent to help you, it doesn’t have to be a confusing process.
Coverage to Protect Your Ohio Non-Profit
It is very important for your Ohio non-profit to have the right coverage for general liability, excess liability, auto, directors and officers, and professional liability - to name only a few crucial coverages. You need to have the right coverage for any relevant eventuality, and taking steps to protect your social service based non-profit from such situations can be a game-changer - after all, many people depend on your Ohio non-profit and keeping it thriving is important.
While it isn’t fun to consider the issues that could arise, it is important to know what could happen so that you can be prepared for it. For example, what if someone gets injured on the non-profit's property and sues you? You need appropriate liability coverage to protect against lawsuits. What if weather wreaks damage on your building? You will need the right coverage for repairing the damages. What if you have recruited volunteers and a problem surfaces? That can lead to all kinds of issues if you are caught unawares. What it comes down to is this; You need to protect what you have built, and that means having good coverage for issues ranging from employees stealing funds to auto mishaps. Of course, these are just general examples, but it gives you an idea of what you need to look out for. When you know where an organization can be vulnerable, you are better able to prepare for those situations.
Having a Helping Hand Can Make a Huge Difference
The good news is, you don’t have to figure out the best coverage options for your situation when you have an independent agent who can help guide you through. Having an insurance agent who is there to help you find the right coverages for your non-profit can make a significant difference on your experience searching for the right insurance policies! You need to make sure that you get the protection you really need - not coverages that are irrelevant to your situation. As an independent agency, we at Cobos Insurance have the ability to put your unique needs first and to help you find the coverage that best fits your situation.
Protecting Your Non-Profit So That You Can Continue to Make an Impact
Your social service based non-profit is too important to not have the right coverage to safeguard it from issues that come along every now and then. After all, when you have a social service based non-profit, you have a significant impact on those your organization touches. You deserve to have the coverage that can help your organization get back to normalcy after a mishap!
There are always going to be things that you cannot control, but you can choose to have an active role in protecting your social service based non-profit organization. Taking the initiative gives you the upper hand when problems arise, and you deserve to have the insurance coverage you need to take care of your Ohio non-profit. Here at Cobos Insurance, we know how deep an impact you make on the world around you, and we want you to be able to continue to make a difference in the world around you. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so we can discuss the best way to safeguard your social service based Ohio non-profit from the unexpected!
The freedom of working from home while running a flourishing business, like anything good in life, doesn't come without it's risks. The key is to identify those risks, acknowledge those risks, and then manage those risks and luckily for you, we are here to help! This post should give you a general idea of what home based business insurance is and how it can help you and your business manage risks more effectively. Our goal is to educate you as a business owner, but we also understand that your business is unique and requires specific coverage. If you are transitioning your home based business to a industrial or retail location, be sure to check out our page on Business Insurance.
Is my business eligible for home based business insurance?
You need to be a home based business that doesn't have any outside partners, members, or stockholders. If your family that lives with you helps out with the business, that is completely acceptable. You need to operate from your home or other structure on your property, and you can not use more than 50% of your home to run your business. You can not exceed a gross annual sales amount of $250,000 and you can only employ 3 non-resident relatives or less. You also need to have the appropriate heating, cooling, and plumbing to adequately run your business. (If this requires updates to your home, then you will need to complete those updates to qualify for home based business insurance) Lastly, you can not be involved with the sale of personal care products like shampoo, hair color, soap, or perfume. If you're not sure if you qualify as a home based business, you can call us directly at 440.233.6199 and we can chat with you further!
What does home based business insurance cover?
Business property that is located on your home property can be covered up to a certain amount if you would like. If you have other structures on your property used specifically for your home based business, they can be covered under your home based business insurance policy. If you have a loss of income due to a covered claim, your income could be covered for up to 12 months! You have the ability to insure up to $1,000 of cash on your property as well as valuable papers and records up to $5,000. You could cover your business use of credit cards up to $1,000 as well. Accounts receivable could also be covered up to a certain amount. If damage occurs to the property of others, it could be covered with an endorsement as well. With a home based business insurance policy, you could also protect yourself with personal liability coverage as well as medical payments to others.
What is considered a home based business?
If you're not sure what types of business can be considered, here are quite a few businesses that can potentially be run from your home!
If you have a home based business that fits any of these descriptions, or if you run a business that you think would be eligible, don't hesitate to call us today at 440.233.6199! We can help you take the guess work out of your risk management planning and strategy, we have years of experience serving home based business owners!
Your Ohio church is not only an important part of your life, it is an irreplaceable part of the community. It touches so many people, and if something were to happen to it, it would impact many lives personally - that is one of the reasons why protecting it is so important.
It is vital that your church be insured with the right Ohio church insurance. The fact is, you know that your church needs to be prepared for the unexpected, but you may not be sure how to best insure it so that you are not caught unawares. If you have looked into the ins and outs of insuring a church at all, you know how many options there are and how overwhelming that can be without someone to help you through the process.
Why Your Need the Right Insurance Coverage For Your Church
When it comes to insurance matters, ignorance is not bliss, so it is good to understand what you might find yourself up against. While it isn’t an enjoyable thing to think about, there are quite a few unpleasant situations that could come up at your church, and it is best to know the risks so that you can handle them should you need to. For example, winters in Ohio can be fierce and someone could slip on ice in the church’s property, which could bring up all kinds of legal issues. The church’s funds could be stolen by an employee, which has all kinds of repercussions. If you find yourself recruiting volunteers, you need to have coverage to protect the church from liability issues. As with any worthy endeavor, there are many unpleasant things that can happen, but having the right coverage allows you to spend less time worrying about “what-if” scenarios.
You cannot risk the finances and reputation of your church, so it is vital that you have insurance coverage that can help you take care of such sticky scenarios. You never want to find your Ohio church facing an issue without the right insurance policy - and you deserve to have that layer of protection. After all, a church is meant to be a place of peace, and being well-prepared to handle whatever comes helps not only you but everyone involved with the church. It can make it much easier for everyone when the right insurance policy is in place.
Protection That Fits Your Situation
Your church is too important to not take precautions. Every church is different - from the size of the building to whether or not you have to set up and tear down every Sunday - so making generalizations is not the best way to go when it comes to giving it the protection it needs. You want to make sure that you get the coverage your specific church requires in order to thrive for years to come, and with a church insurance expert by your side, that is an achievable goal for you and your Ohio church.
Setting Up Your Ohio Church To Thrive
Hopefully you never encounter major issues, but since no one knows what tomorrow will bring, being armed with the appropriate insurance coverage is the way to go. Don’t let the many insurance options available deter you from taking the steps necessary to fully protect your church! A seasoned insurance agent can help you find the right coverage fit for your church and help you understand the best policy for the specific situation. You help others through your church all the time - and it is time for you to receive a helping hand.
Your church is meant to be a place of worship and outreach, not a place of stress and fear of the future. Here at Cobos Insurance, we care deeply about helping non-profits like your Ohio church, and we would love to help you find the right policy to protect it from the unpredictable issues that can arise when you least expect them to. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can talk about the best way to properly safeguard your church so that you can continue to fulfil your mission.
What Is the Difference Between an Insurance Agent and Insurance Broker? (Which One Is a Better Fit For You?)
Having the right insurance coverage - for everything from your home to your car - is incredibly important. Having someone to help you find the right policies can be nearly as important, but knowing who to turn to can be a weighty question. You have probably heard the terms “insurance agent” and “insurance broker” thrown around interchangeably. This can be very confusing, because in actuality, they are not the same - though it is easy to mix the two up. An insurance agent works directly with you, while a broker acts as a middleman between the client (you) and the insurance company.
Why It Makes a Difference
So, you may be wondering, does this really make a difference? Actually, it can make a huge difference for you. An insurance agency advocates for you, working to find the right coverage for your circumstances, while an insurance broker is working between you and multiple insurance companies - which means that you might not get the individualized care that an insurance agent could offer you. You deserve to have the best fit for you, and you want to have access to the policies that benefit you most. An insurance agent can help you with that. When it comes down to it, you want options and personalized care. Too many areas of life require you to take a number and get in line, like you are not a human being with a unique story, and this should not be an area of your life where you are treated like a number. That is one of the reasons why working with an insurance agent can be so beneficial - you get to be treated like a unique person.
What Is the Best Fit For You?
While you can use either and end up with an insurance policy, you need to ask yourself what is it you are trying to accomplish. Why have a middleman going between you and the insurance company when you can have an insurance agent looking out for your best interests? The fact is, searching for the right insurance coverage for you can be stressful without someone to guide you through the ins and outs, and an insurance agent can help you navigate those waters.
Personalized Coverage That Is Right For Your Lifestyle
If you want to have more hands-on attention, having an insurance agent is the way to go. An insurance agency, such as Cobos Insurance, works with many insurance carriers, so they have the ability to help you find what works for you. After all, your best fit may not be the same as your neighbor’s, and you should not have mediocre coverage when you can have the right insurance protection for your situation! Settling is not the way to go when you can get the coverage you truly deserve, and that is something to always keep in mind. The agency will also review your needs rather than placing you with the lowest cost option, you never want to pay for coverage that you don’t need.
Getting the Coverage You Need and the Treatment You Deserve
What really matters is that you get the specific coverage you need - and the treatment you deserve. You should never be treated as a number or a job; you are an individual with individual needs, and that should always be taken into account. An insurance agent can not only help you find the insurance policies you need, he or she can help clarify things when you have questions and make the whole process less complicated for you. It is well worth having a helping hand when it comes to safeguarding your cherished property, and you may find it saves you some major headaches down the road.
You deserve to have someone advocate for you and your needs. Here at Cobos Insurance, we understand how important that is to you, and we believe that you deserve to have the coverage that benefits you the most. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can talk about helping you find the right insurance policies for you and your unique lifestyle. You deserve the best!
So you just bought a brand new luxury home after years of working hard and saving up to get there, congrats! Your next step is probably to find an insurance policy to protect that home, but before you run out to purchase a new insurance policy, listen up! Because your home is more than likely of higher value than the average home if you’re reading this article, this may look a little bit different than, for example, your friend choosing an insurance policy for their smaller, more affordable 2 bedroom home that doesn’t need as specific types of coverage.
We’re going to break down what you need to know about high value home insurance in Avon Lake so that you can make sure that your hard-earned home is protected, so that you can enjoy it for a very long time.
What is High Value Home Insurance?
When considering what you need to know about high value home insurance in Avon Lake, the first thing to think about is how much your home is worth. High value home insurance comes into play when you aren’t just buying that “we’re newlyweds and we can only afford a fixer-upper” house.
This home insurance coverage is for those who find that regular homeowner’s policies do not meet their home’s needs. While there is no general set price for how much your home must be worth to get this coverage, most insurance companies provide this coverage to people whose homes value $750,000 and above. If your house is worth $750,000 or more, high value home insurance is worth checking into, as normal home insurance policies may not cover your home completely or well enough, because your home is worth so much. It’s very important to know the value of your home and to make sure that your entire home and it’s value are insured, in order to protect you, your family and your assets, were an accident, vandalism, etc. to happen.
One other example of why you may need high value home insurance in Avon Lake is if you had your home specially designed with unique elements. This could mean you had an interior designer or architect do design work for your home, or something similar. If your home has materials used in it that are hard to find, or if you have antiques or anything special, you should check with your insurance agent (or a Cobos Insurance Agent) that specializes in high value home insurance, to make sure you are choosing the policy that offers correct coverage for these items.
How do You Decide if this Coverage is Worth it?
While some people may learn towards a normal home insurance policy versus a high value home insurance policy to save money or because it’s all they’ve ever known, it’s important to consider the fact that your policy may not allow you to fully rebuild your home if a natural disaster happens, or if your home burns down. What you need to know about high value home insurance in Avon Lake is that it is a risk/reward decision, but it is always better to be safe rather than sorry when it comes to a home that you have worked so hard to buy.
What are the Real Advantages of High Value Home Insurance Coverage?
What you need to know about high value home insurance in Avon Lake is that there are some very real advantages to this type of home insurance. One example is higher limits for things like landscaping and expensive, nice jewelry items, like that special diamond necklace you got for your anniversary, or those imported sculptures in your front lawn. You would definitely not want to cheap replacements for those items, and that is a great example of why some people choose to go with high value home insurance. Additional living expenses is another added bonus with many high value home insurance policies.
Another important thing to include when considering what you need to know about high value home insurance in Avon Lake is that if something were to cause your home to be unlivable, your insurance company will likely cover expenses for you to stay somewhere else while your home is being repaired. Not only that, but they will make sure it is up to your usual standard of living, meaning that if your house is worth 1 million dollars, they will not have you staying in a cheap motel while your home is being fixed.
What’s Your Next Step?
Now that you are more informed when it comes to what you need to know about high value home insurance in Avon Lake, it’s time for you to do further exploration and decide if this coverage is the best option for you and your family, as well as your family’s home. If security and peace of mind are very important to you, this will most likely lead you to choose to go with high value home insurance. Give us a call at 440-933-5223 or reach out online and one of our high value home insurance experts will help you walk through the process of finding the right coverage and quoting your high value home!
Chances are if you’ve gone to the mall, a basketball game, or even just been around children in general, you’ve probably noticed how attached kids are to electronic devices these days. Whether it’s a laptop, tablet, or phone, you usually don’t see a child go anywhere without one. With this being the case, it means that children are more attached to phones, and more detached from society. This can be a scary thing, knowing that they are interacting less with you, and more with random people on the internet. Many parents express worry, because children sometimes will fall away from hanging out with friends and having real human interaction, and instead choose to chat with people online.
If you are one of those parents that is looking to find some ways to get your kids off of Instagram and into the real world, the following tips are for you. Here at Cobos Insurance, we believe in families, and families are only successful when they spend time together. These tips will not only help your kids become closer with people in real-life, but they will also help your family be closer and have that strong bond!
If you resonate with any of these things, read on to find out how to safeguard your children from too much social media.
Set up Limits for Your Kids
Your kids can’t follow guidelines that they do not know about, so why would they limit their own social media use if you’ve never been upfront about how much they can actually use it?
A huge part of getting your kids to follow rules and guidelines is to give them rules and guidelines. This might seem obvious, but some families have never really even talked with their kids about this issue. Your kids are kids, and they need to be told what to do in order to become the adults you want to see them become. By setting specific limits and making sure to communicate these to your children ahead of time, you’ll save yourself a lot of headaches and fights. This is the first and, quite frankly, most important step when learning how to safeguard your children from too much social media use.
Set Up Screen Time Limitations
Something many people don’t realize is that you can set actual limits on your child’s phone, and you can even lock the limits with a passcode. There’s also a special feature called “set up screen time for family” that allows you to control your family’s devices. This is Apple product specific, but it is definitely worth searching and looking into for other brands of phones.
There are two great ways to take advantage of Apple’s limits. One way is by using the “downtime” option. This is where you can set a schedule for when your kids can use their apps, and you can even choose certain apps to still be usable during “downtime,” like phone calls or alarm apps, for example.
The other option is to use the “app limits” feature. This feature lets you add time limits for specific apps. Have the kids hit their 1 hour social media limit for the day? Their phone will let them know, and disable the app until the next day.
Apple was really thinking of parents and was definitely trying to be aware of how to safeguard your children from too much social media use when they made these settings! App limits and setting downtime for your kids is a major way that you can prevent your child from spending what may seem like every minute of every day on social media.
Knowing What They’re Looking At
Many parents fear less about how much time their children are spending on social media, and more about what they’re doing or looking at on social media. The world can be a scary place, and social media gives children access to all of that. If your children are younger, you have a lot more control over what they do and see, but if they’re older, it gets a little more difficult to interfere and control.
For younger kids, a great tip is to monitor what you follow, and to lead by example. Most kids just want to be like mommy and daddy. They want to be grown up like you and do the things you do. If you start them off seeing positive and appropriate media when they’re young, this teaches them what to look at and follow once they’re older. By making social media something that your family talks about and maybe even uses together, you’re doing one of the most important steps in safeguarding your children from too much social media, specifically too much of the wrong kind of social media.
One thing that you could do for children who are just starting to use social media, is to find some appropriate and positive accounts, and have them follow those accounts. You could even set up a rule where your children have to get permission before following someone new, and monitor who they follow. This may seem overbearing, but in the end, it greatly helps your kids to become the best person that they can be, and it keeps them away from inappropriate things.
To Sum It All Up…
To wrap up the topic of how to safeguard your children from too much social media use, it really comes down to having honest and open discussions with them. Instead of expecting them to know how much time they can spend on social media, or who they are allowed to follow on their accounts, discuss these things with them.
Instead of yelling or getting angry when they spend too much time on their phone, explain why you would like them to not do that, and allow them to be a part of the discussion. By talking with your children and not at them, you don’t make them want to sneak around and do something they shouldn’t, but you create an open dialogue that simply explains why it’s important for them to not live on social media.
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