When a tree falls…who’s responsible?
A simple clarification for a very common question:
Author Archive: Cameron A. Shandersky, CPCU
What is a General Liability Audit?
“An audit? Oh No!” That’s our first reaction to the word, as we associate it with the painful experience of an IRS Audit. Well, an insurance audit is not a “bad” thing, but a NORMAL thing. When your Commercial General…
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Cincinnati Chapter of AICPCU Society – Lunch & Learn
Cryptocurrencies, Blockchain and the Era of Disintermediation Cameron’s Powerpoint Presentation (PDF) Hosted by the Cincinnati Chapter of AICPCU Society & Cincinnati Financial Corp. 02/09/2018
The Agent’s Choice – The Cincinnati Ins. Co.
The Nursery from The Cincinnati Insurance Company on Vimeo.
Allowing Underage Drinking – High Risk, Little Return
Many parents claim, “I’d rather my child drink with us at home than out with their friends.” Depending upon the state in which you reside, this may or may not be a legal practice. However, when hosting your child’s friends,…
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Liability Risks of Social Media
1.1 billion Facebook users…….350 million tweets per day…….300 hours of new video ……………………………………………………………………….uploaded every minute! All add-up to increased risk of “Personal Injury” liability. What is “Personal Injury?” As defined in the Cincinnati Ins. Homeowner, Condo and Tenants…
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Loaned School Property – Covered or Not?
Band Instruments, Laptops & Tablets, Trade Tools and other items may come home in your students’ hands, backpacks and cars. You and your students may be responsible for damage or destruction of such school property. Generally, your homeowner provides some…
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“Bridging the gap” – When do I need GAP insurance?
GAP Insurance covers the difference between the Market Value (actual cash value) of a vehicle and the balance still owed on the financing (car loan, lease, etc.) When you purchase/lease a car, the depreciation in value happens quickly in the…
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Often, fiction becomes reality.
Insurance Friends, Below is a link to a short story submitted to a Speculative Fiction Contest held by the Society of Actuaries. It depicts the 10-year horizon in the world of Auto Insurance, Bitcoin and Artificial Intelligence. I think the…
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Random letter from Ohio BMV – I have to show proof of Insurance
Have you received a random letter from the BMV? 20% of the registered vehicles in the state of Ohio receive this letter each year. It is part of Ohio’s program to address Uninsured Motorists. This is a very simple…
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Rental Cars: How does the insurance work?
Should I buy the extra insurance from the rental company? It’s a tough call, considering the fact that you may already have the coverage through your Personal Auto Policy. With most insurance companies, damages to rental cars are covered…
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Water……a strange animal
Water losses can be some of the most frustrating types of claims. In the insurance industry, there are 3 types of water losses: Water Damage, Water Back-up and Flood. Water Damage – damage caused by a faulty or malfunctioning part…
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Protect Your Entertainment Investments
Schedule your Smart TVs, Laptops, PCs & Tablets – No Deductible – Broader than your Contents coverage (includes breakage, power surge and even spills) – Losses to scheduled items don’t affect your Homeowner, Condo or Tenant policy renewal rates –…
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Market Value vs. Reconstruction Cost – The Difference
“Why does my Homeowner coverage keep increasing when the market value doesn’t?” is a common question. Market Value Market value is what your home and land would sell for in the real estate market. Your selling price could be…
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What is an “Umbrella” policy, and why do I need it?
Teenage Drivers, Swimming Pools, Trampolines, Investment Properties, Vacation Homes, Dogs & Other Animals, Hunting/Shooting and other activities are all good reasons to consider a Personal Umbrella policy. The Personal Umbrella policy provides liability limits in excess of those contained in your primary…
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