December 2018 - Number 2018-4479-12
CIB Holiday Luncheon  

Start the holiday season off by joining us for the annual CIB Holiday Luncheon on December 6, 2018 at the Kenwood Country Club. This year the featured speaker will be Jill Meyer, President and CEO of the Cincinnati USA Regional Chamber. More information
Before Handing Over the Keys, Make Sure Your Teen Knows the Rules
“Education and increased awareness can help protect teens from the severe dangers and consequences of distracted driving,” Ohio Department of Insurance Director Jillian Froment said. “I urge parents to have conversations with their teen drivers to establish rules that will help keep them and those around them safe while on the road.” Read more
Social host liability Insurance Considerations

Whether you're hosting a Super Bowl party for 50 or greeting the New Year with a few friends, if you're planning to serve alcohol at your home take steps to limit your liquor liability and make sure you have the proper insurance.    Read more
Distracted Driving Research
A new study from Ohio State University’s Risk Institute reveals road design modifications can reduce the frequency and severity of distracted driving crashes. According to the Property Casualty Insurers Association of America (PCI) found that even the length of a roadway segment or number of lanes had an impact on the frequency of distracted driving crashes. Read more
Risk Tips
Hints for Policy Comparisons

Make sure you know which policies you are comparing. There’s a big difference if you’re asking me to compare an ISO DP-3 to an ISO CP 00 10 or if you’re asking me to compare a carrier specific DP-3 (or state specific DP-3) to an ISO CP 00 10. I need to know what endorsements might be modifying the policies in question. I really need to know the edition dates of the policies. All of these details make a difference in making comparisons because every edition of every policy has differences. Read more
Case of the Month
Burst pipes and bad tenants

A lease for use of a single-family dwelling was executed. During the term of the lease, the tenants left the property for a winter vacation that lasted about two weeks. The tenants were responsible for ordering and paying for fuel for the dwelling’s oil-fueled heating system but had not ensured that the heating system had enough oil to operate for the duration of their absence. While they were away the heating system stopped working. Read more
Consumer Alert: What Consumers Should Know About Short-Term Health Plans
New rules from the federal government are increasing the availability of temporary health insurance products known as short term health plans. Ohio Department of Insurance Director Jillian Froment is urging Ohio consumers to review and consider the specifics of short-term, limited duration plans prior to purchase. Because of the changes at the federal level, the Department has been fielding a number of inquiries and questions related to these products. Read more
Ohio Legislative Activity
Save Your Clients Money - OIA's Group WC Program
If you represent commercial clients or are interested in expanding into that market but don't know how to get your foot in the door, then OIA's Workers' Compensation Group Rating Program can provide you with one of the insurance industry's most powerful sales tools . Read More
Workers Comp
Education & Training
Omnia Profiles
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