 No matter what area of business you are in, it is important that you have the coverage you need to protect it properly. Whether you are in the trucking business or are in the beauty industry, your Cleveland establishment deserves the right insurance policy to safeguard it from the unexpected - and having the Ohio business insurance policy that fits your situation is an invaluable part of taking care of the business that you have worked so hard to build.
The fact is, the unexpected can knock your legs out from under you if you do not have the right insurance policy, one that takes every eventuality into consideration. Your Cleveland business should be protected on all sides so that you can grow and expand your business without the constant fear of disaster, and when it comes to something as important as your business, you shouldn’t have to take chances. Fortunately, with the right coverage, you can give your company the protection it needs in order to thrive for years to come. Coverage That Can Help Protect Your Cleveland Business No matter how successful your business is, you cannot afford to risk it by not having the right insurance coverage. There is no reason to allow your business to be set back long-term by an unfortunate circumstance when you can have the Ohio insurance policy that can help you make your business the best it can be. Knowing what your business’ insurance needs are is vital, and being prepared ensures that you won’t have to be caught off guard by a mishap. So what do you need in your policy in order to give your business the protection it requires? There are many important aspects of commercial property insurance that make it a vital part of protecting your business. There is every reason to make sure that your property is well safeguarded - it is too valuable to do otherwise. Having the right general liability insurance in your Ohio business insurance policy is vital as well, because if an injury occurs on your property, you don’t want to find yourself in a lawsuit without the insurance protection that can help you deal with the situation. There are many different liability issues that can surface, but with the right policy, your Cleveland business doesn’t have to be unduly vulnerable to them. Another crucial aspect of protecting your business is having good Ohio workers’ compensation coverage. Whether you have dozens of employees or just a few, you want them to be well taken care of and to have the coverage that can help give them peace of mind. They will appreciate knowing that you care enough to ensure that they have the workers’ compensation they need, and your business gets the protection you deserve. Depending on the nature of your business, you may not have given much thought to the importance of commercial auto coverage, but it is a valuable asset for you as a business owner. Whether you have a company car for making regular deliveries or you simply have employees who need to run an errand or two for the business, you want to have the right coverage to safeguard you and the company. Finding the Insurance Protection That Meets Your Business’ Needs Your business is an important part of your life and the lives of those involved - employees, partons, and suppliers alike. It isn’t something you treat lightly, so ensuring that your business has the right coverage is vital. Talk to your independent insurance agent about your specific needs in Cleveland, Ohio. You should not have to settle for less than the right protection for your situation, and your agent can help you find the best fit for you. You have put so much time and energy into your day-to-day operations as well as into your business’ big picture, and you want to give your company the best protection you can. Here at Cobos Insurance, we believe that your business matters and that you should never be alone when it comes to safeguarding your company. You can call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so that we can help you find the coverage you need to protect your business in Cleveland, Ohio.
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 These days, some of the hottest places to eat in Cleveland have wheels! Food trucks have swept the city, offering not only a great way to get outside for a meal, but also some fantastic cuisine.Restaurants like Fahrenheit and Barrio have food truck versions of their brick and mortar establishments. But there are also trucks like Smokin Rock n Roll, Betty’s Bomb A** Burgers and CLE Wok and Roll who are creating unique and delicious food just for taking it to the streets.
So, where can you find food trucks to enjoy fun outdoor dining? Here are some local events featuring some of Cleveland’s best food trucks:
Wherever your favorite food truck may be parked, make sure to swing by and grab some delicious food in the summer sunshine! And if you’re thinking of joining the food truck craze with your own mobile restaurant, be sure to contact Cobos Insurance Center for help navigating the curves of insuring a restaurant on wheels. 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!  There’s something special about a food truck. There’s a charm that never wears out when you stand in line to order at one - and as an owner of an Ohio food truck, you have the ability to give that experience to your customers. You take that task seriously, and it shows: your food truck is more than a source of income - it’s a passion of yours, and something that is worth properly safeguarding.
Having the right Ohio food truck insurance coverage to help deal with any unexpected mishaps is a crucial part of taking care of your business. When it comes to protecting your food truck, there is every reason to take steps to safeguard it. Should an accident or other issue come up, you will be glad you were proactive and insured your truck with the right coverage fit! You want to enjoy your food truck, and it is easier when you know you can handle whatever comes. It is important to know some of the different facets of good Ohio food truck insurance, so that you can know what you need to keep in mind when insuring your business. After all, being prepared is the best way to go. Liability Insurance Coverage Liability insurance is incredibly important for your food truck. If someone is injured on your truck, you could be in for thousands of dollars of expenses if you are sued and don’t have the insurance protection to take care of the situation. The fact is, accidents happen even when you exert the utmost care, and not having ample coverage can be detrimental to your finances - and your peace of mind. It is important to be ready to handle whatever comes along down the road, and having the right Ohio food truck insurance is an important facet of being prepared. Bodily Injury Coverage Should someone be injured in an accident involving your food truck, you need to have the right insurance coverage to protect you from the steep medical expenses. Medical costs can build up really fast, and why should you expose yourself to the issues that arise from insufficient coverage? The right Ohio food truck coverage can take care of those issues should they arise, and you can breathe a little easier knowing you can move forward should that happen. Property Damage Coverage Property damage coverage covers your truck if is damaged or destroyed. There is no “food truck” without the “truck,” so making sure you have excellent property damage coverage is important. You don’t want to ever find yourself without the means to repair your damaged food truck - after all, it is the cornerstone of your business, and that is not a situation you want to have to face alone. Fortunately, with the right coverage for your food truck, you can have the support you deserve so that you can get back on your feet. Coverage For Finished Products and Services Finished products and services coverage helps protect you should any issues with the food that you design, create, or sell come up. If problems surface, it can be detrimental for you without ample insurance protection. The fact is, mishaps happen to the best of us, so having a good food truck insurance policy to take care of such scenarios can be invaluable. You don’t want to risk being unprepared, and there is no reason to let yourself be caught off guard. Protecting Your Food Truck With the Right Insurance Coverage Your Ohio food truck is something that you have poured time and energy into - something you take pride in, as well you should. You have put far too much work into your food truck to let a mishap put a lasting halt - or even destroy - what you have built. Since accidents and issues can come up even when you do your best to prevent them, it is crucial to have the coverage to have your back when you face bumps in the road. Should something happen, you want to have the protection your business deserves, and here at Cobos Insurance, we would love to help you find the right policy for your situation. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; you can contact us today and we can talk about finding you the right insurance coverage to protect your Ohio food truck.  You might be wondering if you need vacant house insurance to protect your house. If you have a seasonal or secondary home, it would not be classified as a “vacant house.” You still have utilities and furniture inside, and you come and live in it regularly. A house that lies empty as you wait to sell it or rent it, however, would fall under the category of “vacant,” as could a house in an estate. If this describes a home of yours, then this insurance coverage would be a good fit for you.
Since no one is actively living in it, a vacant house runs a much higher risk of being vandalised or otherwise damaged, and not having the right insurance coverage for it leaves you vulnerable to such destruction. Such expenses add up at lightning speed, and you want to make sure that you don’t find yourself without financial backup. There is no better time than now to find the right protection for your unoccupied house. Being caught off-guard is the last thing you want when it comes to protecting your house - because if it is sitting empty waiting to be sold or rented out, you want it to be in prime shape for when the tenants move in. You don’t want to find that you have to deal with damages on your own! It can be worrisome when you have an unoccupied house, but with the right insurance coverage, it doesn't have to be a nerve-wracking experience. In addition to the base coverages you get with good vacant house insurance, you can also get add-on protection that fits your unique needs, so that you can get the custom care you need. Your vacant house needs to be preserved while waiting to be occupied again, and every house is different. Ample Coverage For Loss This aspect of a good vacant house insurance policy gives you coverage for an association assessment if you have a covered loss. You don’t want to find yourself with insufficient coverage for whatever issue arises. There are many things that can happen, but when you have the insurance coverage that eases you through such scenarios, you have no reason to panic over problems. Your insurance agency has your back! Limited Theft Coverage Limited theft coverage takes care of personal property lost or damaged by theft and vandalism. While none of us want to think that anyone would take advantage of an empty home and vandalize it, it does happen - and the loss can be significant. It is far better to be prepared for such a situation than to be blindsided by it, and the right coverage can help you be ready for whatever comes your way in the future. You will be glad you prepared for issues like these if you find yourself dealing with a theft or vandalism situation at some point. Water and Sewer Back Up Water damage can be catastrophic when not dealt with properly. You don’t want to have insufficient coverage for a loss caused by water or sewage backed up in drains, or even overflows from a sump pump - that could result in a nasty mess and costly clean-up. There can be devastating damage from water back up, but this coverage gives you the protection you need to take care of such a disaster. It doesn’t have to be an earth-shaking circumstance if you have the insurance coverage for it. Protecting Your Vacant House Well Your vacant house needs to be safeguarded from a variety of dangers, and here at Cobos Insurance, we would love to help you find the right coverage for your specific situation. You deserve the best, and we are here to help you insure your house with the coverage you need. We believe that what matters to you should be well taken care of, and that includes your vacant house. Let’s talk about keeping your vacant house well protected! Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; you can contact us today and we can help you safeguard your property with the vacant house insurance coverage that fits you. You deserve the protection that fulfils your needs, and we would love to help you find the right means to take care of your house.  You want insurance coverage that fits you like a glove, and finding the best insurance agency for you can be a hassle if you don’t know what to look for. You need an agency that looks out for your unique needs, and you deserve the Cleveland insurance agency that can properly take care of you. There is no good reason that you should have to deal with finding the right insurance policies for your life, car, and home all alone!
The fact is, the right coverage fit for your neighbor might not look like the right fit for you, so why would you have the exact cookie-cutter insurance policy as someone down the street? You deserve to have the policy from the insurance agency that suits you. You are a unique individual, not like anyone else, and you shouldn’t be treated like anybody else. Since you want to be treated as an individual, it could be greatly beneficial for you to work with an independent insurance agency because you receive personalized attention instead of being offered one-size-fits-all coverage. An Independent Agency Versus a Captive Agency So, what is the difference between an independent agency and a captive agency? A captive agent is usually bound to one insurance carrier alone, but an independent agency can work with many different companies. You might be asking yourself, “Does that really make a difference in practical terms?” That is a natural thing to ask yourself - and the fact is, it does make a difference. Since a captive agency usually only works with one insurance carrier, they are not nearly as capable as an independent agency is when it comes to helping you find what works for you as a person with a unique life. An Independent Agency Offers You Choices An independent agency can offer you choices in the coverage options you can have. Since a captive agent usually only works with one insurance company, it makes it difficult for them to give you individualized treatment. In contrast, an independent agency can work with several different carriers, so it makes it much easier for an independent agent to help you find the right fit for your situation. You can have true choices, and that can make a huge difference for you. An Independent Agency Has Your Interests In Mind An independent insurance agency, like Cobos Insurance, can look out for you in ways a captive agency is simply not capable of. While a captive agent has limited choices that he or she can offer you, an independent agent has the freedom to find you the right fit for your situation. With the right Cleveland independent insurance agency, you can get up close and personal with an agent that has your best interests in mind. The Right Independent Agency Is Here When You Need Help A good independent agency is there for you when you need help - and we all need help sometimes. You can call your independent agent when you have a question or concern, or need some clarification on something in your policy. You should be treated well - like the individual you are - and an independent agent can be there for you when you need support. An Independent Agency Can Meet Your Varied Insurance Needs Another great thing about an independent agency is that it can meet your varied insurance needs, with the personal touch that gives you the specific care you deserve. With the right independent insurance agency behind you, you can have help finding the coverages that take care of multiple facets of your life. You can rest easier knowing that you have safeguarded what matters to you. Helping You Find the Coverage You Need In Cleveland Cobos has served the Cleveland area for many years, and as an independent insurance agency, we would love to help you find the coverage that gives you not only the coverage you need but the peace of mind you deserve. There is every reason that you should have the protection you truly need, and we are here to help you find the right policies for you. 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 help you find the coverage that you need in Cleveland, Ohio.  Learn What Insurance Coverage Your Cleveland Business Needs
Whether you own a small mom and pop business or a large, thriving company; you face decisions about your business each and every day. For instance, if you own a boutique, you have to decide what clothing you will buy and from what designer. If you own a flower shop, you have to decide where you’ll get your flowers from and how you’ll decorate the shop. Every business owner faces decisions regularly, but aside from purchasing and decorating, it is extremely important to ask yourself if your business is properly insured. This is where we can jump in to help. We want you to have the knowledge to properly protect your business that you worked so hard to build, so we’re going to use this article to help you learn what insurance coverage your cleveland business needs. General Liability Insurance General liability insurance is a key component to a successful business, because it is the coverage that covers many things in one policy. This could mean things such as property damage, medical expenses, slander, and the list goes on, but the main idea is that this is the general coverage policy that will do multiple things for your business. This is a great place to start when you are trying to learn what insurance coverage your cleveland business needs. One example of general liability insurance being important to your business could be in a case where someone is in your coffee shop and slips on the wet floor. Say the person was older and had to go to the hospital to get medical treatment after the fall. In this case, it would be extremely important that your business has general liability insurance, because the medical bills, potential lawsuits, and any other fees can really start to add up. It is best to make sure you’re protected in cases like this. Professional Liability Insurance This coverage is also sometimes called errors and omissions insurance. This will protect your business in cases of an error or negligence on your company’s part. If you are in the business of providing advice, whether it be medical, financial, etc. this is one to consider because of lawsuits and things that can come with having to provide such advice to customers or clients. Some areas of business even require that you have this coverage in place, especially in the medical industry where things could easily go wrong and your business could end up with a big lawsuit against it if anything were to go wrong. It is better to be protected than to wish you had this coverage after the fact. Product Insurance If you really want to learn what insurance coverage your cleveland business needs, you should first think about what it is that your business does. Do you own a marketing business that provides a service? Maybe your business is a clothing boutique. Maybe your business is a grocery store. Whatever the case, your insurance needs depend on what your business is providing to customers. With that being said, if your business manufactures or distributes products, you’ll want to look into product insurance. This will just make sure that you are protected from losing money due to a defective product. If your business simply provides a service, you will not need this coverage. Knowing what your business provides for people will help you to learn what insurance coverage your cleveland business needs. Commercial Umbrella Insurance This one is more of an add-on to your coverage, as it gives you more coverage outside of your other policies. What we mean by this is that it can help pick up costs and things that went over or didn’t fit into one of your other policies. One example could be someone getting injured on your company’s property. If they were to sue and the fees and medical costs for that exceeded your other coverage, this is where commercial umbrella insurance would come into play. Worker’s Compensation Your workers are the ones that keep your business going, so it’s important to take care of them. This coverage ensures that your employees are covered, with one example being on-the-job injuries. If an employee is injured while at work, you will definitely want to have workers compensation in place, because that employee will most likely need medical attention, have legal fees, and be out of work for some time. For example, if an employee were to fall off of a ladder while at work they could break bones and potentially be hospitalized, have to take weeks off work, and will most likely have legal fees to deal with. You want to make sure that your employees feel safe and valued in their workplace and one great way to do this is to have this coverage in place. Commercial Auto Insurance This type of coverage is necessary if your business uses any type of cars. Damage to company vehicles and liability coverage are two things that are typically covered in commercial auto insurance. Other things that your commercial auto insurance policy may include are medical payments, uninsured motorist coverage, and non-owned coverage. It is important to talk with your insurance agent about which types of coverage your business specifically needs. Small Business Insurance Small business insurance is another one of policies that does multiple things. You can also add coverage on with this, so while you are out there trying to learn what insurance coverage your cleveland business needs, consider this coverage if you own a small business. From liability issues to replacing income that is lost, this policy is designed specifically to meet smaller business needs. Reach out and contact us today to learn what insurance coverage your Cleveland business needs!  The Importance of Social Media Marketing for your Cleveland Business
If you take a look around you right now and you are in a public place, chances are you see a majority of people using some type of technology. There are most likely multiple people scrolling through social media or sending a quick text or email on their phone. The world that we live in today is extremely digital. The fact that everything today is so digital focused can be a huge asset to businesses who capitalize on this properly. With so many people using phones and, more specifically social media, so often, it is crucial that your business is on social media. We’re breaking down the importance of social media marketing for your Cleveland business into some of the main reasons why your business needs to be not only on social media, but active on social media. We hope that this helps you to understand more about what social media marketing is, how it can benefit your business, and why it is so essential in helping you to reach a much larger audience and build your brand online. After reading this, you should have a better idea of how vital a social media presence is, and a little bit more about how you can use that social media presence to drive sales, get website views, and more. Without further ado, here is the lowdown on the importance of social media marketing for your Cleveland business Social media helps your business reach more people. Did you know that 60% of Instagram users say they discover new products on the Instagram app? That’s over half of the people on the app. It’s not all about big businesses anymore and with social media, smaller business are being given a platform to reach people all over the world. You don’t even need the huge brand name or that giant downtown office. All you really need is a social media presence and an idea. This is the beauty of living in the twenty-first century and you can use that to your advantage my simply creating social media accounts for your business or brand. This is one of the many reasons that it is vital to really sit down and research or think about the importance of social media marketing for your Cleveland business Having an active social media presence can drive sales and website views. Going along with being able to reach people, your social media accounts can also prompt people to take action. Simply posting photos of your products can spark an interest in people. What do people do when they see something that interests them? They get curious and want to learn more. If you have your website linked in the post or in your biography on your social media account, this allows people to look into your products further. This does two things for you, which is why it is important to stress when talking about the importance of social media marketing for your Cleveland business. It brings traffic to your website, which gets your brand and your products views, and it may even get you some sales. Social media gives your business a chance to build its brand. The way that you set up your social media accounts, the tone you use in the descriptions of photos and in your tweets, and the types of photos or content that you post has a huge impact on how people see your business. This is what creates your “brand.” Your brand is, in a way, the voice of your company. You can build your brand by being mindful of the color scheme you use in photos, for one. If you business is very modern, yet professional, maybe you want to consider using muted colors when editing your photos. When sending out tweets you may want to consider a short and concise vibe. You will want to make sure that whatever content you put out matches the vibe that you are trying to give your company. This helps your business to stand out and be unique. When people see your logo or content that looks like the content that you put out, they will begin to recognize it as your business, if you are able to brand your business properly. The ability to create your business’s brand on social media is key to think about when considering the importance of social media marketing for your Cleveland business. Social media isn’t going anywhere, anytime soon. Social media is an essential part to most people’s lives. Although the amount of time that people spend on social media may not be healthy, the fact is that people are very active on social media. The younger generation is at a point where, according to the Pew Research Center, 45% of teens say they are online “almost constantly.” This means that if you run social media ads that are designed to target teens, there is a good chance that they will see them. Although teens seem to be the most connected to technology, don’t be fooled. With social media channels such as Facebook and LinkedIn, older generations are also extremely plugged in. This all goes back to the fact that if you were to look around right now, you would likely see everyone holding a phone or using some sort of technology. We use technology so regularly to do things like wake ourselves up in the morning, read a book online, or use our GPS. Technology is here to stay, and with that comes social media platforms that you should really keep in mind when considering the importance of social media marketing for your Cleveland business.  If you own a business that provides a service to someone at a cost, errors and omission insurance is definitely something that you will want to look into for your business. This policy will provide you with the coverage that your business liability insurance will not. While business liability insurance covers things like injuries and property damage, other things like human errors aren’t covered under something like business liability insurance. With errors and omissions insurance, your employees as well as yourself don’t have to worry about certain mistakes when you have this coverage in place, as errors and omissions insurance covers things like human errors and cases brought on your company for negligent acts.
Not only does this policy provide you with coverage, but it is usually customized to fit your business's individual needs. At Cobos Insurance we pride ourselves on tailoring policies to meet client's needs. No two businesses are the same and therefore no two businesses need the same coverage. For example, a company that works with metal products doesn’t need the same types of coverage as a company that builds houses, which is why professional errors and omission insurance and the fact that it provides customized coverage is so important. Professional errors and omissions business insurance for Ohio contractors and tradesmen is something that will work with your company to see exactly what it needs and will fulfill those needs however they can. It is definitely worth checking out if you want to make sure your business is fully protected. Because most businesses produce a product or perform a service to a product, it is important that your company has the proper policy in place that will protect you in cases of damage, error/mistakes, etc. Faulty workmanship and negligence happen in just about every company. No matter how many interviews you put people through and how careful you are with who you hire, there are always going to be people who act negligently at times and sometimes end up damaging something or messing something up. There is also the case of human error. No human is perfect, which means that everyone makes mistakes sometimes and it is sure to happen regularly within business situations. This is why it is so important to make sure your company is protected by professional errors and omissions business insurance for Ohio contractors and tradesmen. One example of a situation that you would definitely want to consider professional errors and omissions business insurance for Ohio contractors and tradesmen would be if your house-building company built a house and found out late that an employee of yours made a mistake while they were building the ceiling of this house. If the ceiling breaks, the family may try to sue your company for the mistake made. If your construction company has professional errors and omissions business insurance for Ohio contractors and tradesmen, then you would not have to worry about the financial losses, etc. that would have resulted from this. Things like this happen all of the time for those that are contractors and tradesmen or those that own these types of companies. It is better to be safe than sorry in these situations, especially because they do happen and when they happen, customers are usually not the happiest. This type of coverage will give you a peace of mind and ensure that you won’t take a huge hit if a mistake were to happen. Another example of a real-life situation in which you would benefit from professional errors and omissions business insurance for Ohio contractors and tradesmen would be if your electrical company did the wiring in a brand new house and something went wrong. If, for some reason, your employees made a mistake with the wiring that caused a fire to start and the house to burn down, you would not be in a good position uninsured. You would likely have a good amount of lawyer fees and potential huge fines that could even put your company out of business if you didn’t have the proper insurance policies in place. If, however, your company had error and omissions insurance, you would have the safety of not losing millions and of not going bankrupt. Error and omissions insurance would enable you to feel safe and at peace always, knowing that your company is in good hands, even if mistakes are made. To sum it all up, professional errors and omissions business insurance for Ohio contractors and tradesmen is important. Whether you own a construction business or a plumbing company, mistakes will happen. Mistakes will be made when building houses, sometimes mistakes that cause enough issues that a family may sue. Pipes may leak and ruin a cabinet after someone in your company made a mistake while fixing said pipe. Human error is one thing that you, as a business owner, can not really control, but with professional errors and omissions business insurance for Ohio contractors and tradesmen, you can rest easy knowing that no matter what mistakes are made, you have a policy that gives you coverage and allows you to know that your company is in good hands. It is important to note that every company is different and that every business needs to seek out the best plan for them individually. While this article will help you to understand errors and omission insurance, you will want to do further research and speak with professionals, like those on staff at Cobos Insurance, to find the best fit for your company.  From a hometown feel to some major safety aspects, there are many reasons to choose an independent insurance agency. While there are many reasons, we broke the list down into what we believe are the top five reasons to work with an independent insurance agency in Cleveland. This list simply tells you what the typical smaller, independent insurance agency will be able to offer, but it is important to keep in mind that every insurance agency is different.
Safety When an insurance company makes a mess of something, you definitely want them to be held liable. This may not always be the case if you are insured through a bigger name agency that has a lot of power and resources. They are able to protect their company better than a smaller agency and therefore will typically not end up liable for said mistakes. This means that a lot of the liability could end up falling in your lap. Independent insurance agencies definitely offer a safety that is not typically found at larger name/chain agencies, which is why we think this is an important one to add to our list of five reasons to work with an independent insurance agency in Cleveland. Multiple Things in One Place Independent insurance agencies typically have more of a range of coverages that they offer. By this, we mean that there are many independent agencies that will provide home insurance, business insurance, life insurance and more all through the one company. This just simplifies things for you, as a consumer, because you do not have to search for individual agencies for each insurance need that you have. This makes it easier on you with paying bills, getting in touch with questions/concerns, and makes your overall experience simpler, which is why we put it on our list of five reasons to work with an independent insurance agency in Cleveland. Small Business Feel Let’s be honest, there’s just a special kind of comforting feeling you get when you know the people who are dealing with your property. You don’t get this feeling with big-name insurance companies, but with smaller independent insurance agencies, you can get to know the people you are placing your trust in, and they can get to know you personally as well. This, again, just gives you a safe feeling that you can’t get elsewhere. With this being said, the insurance agency probably has a better idea of local threats to your home, car, etc. and this is extremely helpful when you want to have adequate coverage. This means that if, for example, you live in a place that has a high risk of flooding, the agency will recognize this and give you more coverage in this area. Another example could be if you live in an area that has a high traffic-accident rate, the agency would know to recommend more car insurance coverage, simply because they live where you live and understand what you need. Availability Going along with the hometown feel, availability is a huge reason that any people choose independent agencies. As a customer, you want an agency that will be attentive to your needs whenever they arise. This is definitely harder for larger companies, as they have more clients and can not always get to every claim or question right away. If, for example, you have major damage to your car and need your claim checked out right away in order for you to get your car fixed, then you would definitely want to have coverage from an independent agency that could get your claim taken care of right away. If having your questions answered or your claim taken care of right away is important to you, then you will definitely want to lean towards an independent insurance agency. Because this is usually on so many peoples’ list of things they want in an insurance company, we thought it deserved a spot on our list of five reasons to work with an independent insurance agency in Cleveland. Giving Back Many smaller, local agencies do things to give back to the community that they are based in. By doing business with a local agency, your money is going to them but there is a good chance that some of your money will be invested back into your community. This allows you to get all of the benefits of an independent insurance agency all while feeling good about it because you know that you are also investing into your community. Everyone loves to feel like they’re helping someone else, which is why we put giving back on our list of five reasons to work with an independent insurance agency in Cleveland. Now that we’ve summed up our five reasons to work with an independent insurance agency is Cleveland, we hope that you have a better understanding of the differences between larger-name insurance agencies and smaller, independent agencies. It is important to realize that each person has different, individual needs. These five reasons to work with an independent insurance agency in Cleveland were simply to state some reasons that the people who prefer independent insurance agencies lean towards the independent agencies. It is important to remember that not every independent insurance agency has the values on this list, but this is simply a list of five things that most independent insurance agencies are able to provide. It is very important to do further research on individual companies. |
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