Grange Insurance is now available at Carlisle Insurance Agency in Jackson, Oh. Call us for a free Home, Auto, Life, Business insurance review. "Helping You Protect What Matters Most Since 1890"

Carlisle Insurance Agency
213 E. Main Street
Jackson, Oh 45640
740-286-5031http:\\www.carlisleinsagency.com

Starting a new business or re-evaluating your current business insurance needs?

If you are starting a new business or are re-evaluating your current business insurance needs, it is important to make certain you have a good, solid, business insurance policy that is tailored to your needs. Many small business owners often view business insurance as a luxury, when in fact it is a necessity to protect you and your business. Several business owners only think of a business policy as protection against casualties and damages such as a theft, fire, or damage to equipment and products. When in fact, the most important part of a good business policy is the liability protection.

No matter what size of business you operate, big or small, it is always important to protect your business and yourself from the unpredictable. In today culture, even the smallest accident can result in large lawsuits. The general liability portion of a business policy is extremely important in that it defends you, your employees, and the reputation of your business from any lawsuits that may develop from bodily injury, damages, or negligence for something it did or didnand. General liability insurance can often be purchased separately or as part of a BOP (business owner's policy). A BOP; combines both property and liability insurance together into one policy.

Typically a BOP includes the following:

Property insurance to cover the building, equipment and goods; General Liability insurance to protect the business, employees and owner from lawsuits that may arise from accidents, negligence, or other damages; Casualty liability protection to protect the business and employees from harm to other people or their property; Insurance against theft of goods or money and securities; Insurance against interruption of business: This coverage can provide money to offset lost profits and income to continue paying expense; Several other options and endorsement are available to purchase
When purchasing a Business Owners Policy, it is very important to discuss the details with a licensed insurance agent who is familiar with commercial insurance policies. There are several options and risks that can be covered under a BOP. Some of these options can include signage, money and securities, business property, employee dishonesty, computer viruses, mechanical equipment failures, or loss of income for utility failures just a to name a few options. Not all over the options available are necessary to all business owners since not all businesses are alike. For example, a deli business that stores a large supply of refrigerated food, might find it very valuable to purchase insurance to protect them against the refrigeration equipment/breakdown or possibly even protection against a utility (electrical) failure that could possibly ruin valuable refrigerated food goods. It is also extremely important to purchase commercial auto insurance coverage for all vehicles used within the business.http:\\www.carlisleinsagency.com

How to lower your property taxes in Jackson, Ohio when the value of your home decreases

First, review your property records with the County Auditor's Office
The first step in appealing your property' s value is visiting the County Auditor's Office where the tax value is established. Request a meeting with a County representative to review your property's value. This is a great opportunity to learn how your property value was established. Examine your property' s record card to ensure all the physical facts about the buildings and structures are accurate. If a clerical error is discovered, a value adjustment may be completed to correct the error without the need to file a formal appeal. It is recommended that property owners conduct a yearly review of their property records to ensure all records are accurate. Remember, people make mistakes. Clerical errors do happen when clerks enter information into the computer. One clerical error could cost you a lot of money. At this time, if there were no changes to your property' s value or you are still not satisfied with the corrected value, you may file a formal appeal with the County Board of Revision.

Obtain a DTE Form 1 - Complaint Against the Valuation of Real PropertyThis form is available in the County Auditor's Office. The Directory of Ohio County Auditor's can be found at http://www.caao.org/DIRECTORY/

Fill out and deliver the complaint form
The DTE Form 1 - Complaint Against the Valuation of Real Property gives the Board of Revision the complaining party's opinion of a property' s estimated value for the year the tax is due. (The issue of taxes cannot be addressed either on the Form 1 or during the ensuing hearing.)

There must be a clear identification of the property being appealed. To ensure this, use the property' s parcel number as it appears on the most recent tax bill.

The completed, signed and notarized DTE Form 1 can be filed after January 1st but must be physically inside the County Auditor's Office no later than the close of business on March 31 (some deadlines vary by County). This includes complaints filed through any form of mail.

Receive a "Hearing Notice" letter from the Board of Revision
After the complaint form is filed, the Clerk of the Board of Revision will schedule a hearing date. The Clerk will send a notice in the mail to the address you provided on the complaint form.

Gather evidence of the property' s market value
If the procedure letter contains a hearing notice, then it is time for the complaining party to gather evidence supporting his/her opinion of the property' s market value. The County's Rules of Procedure, which are usually included with the hearing notice, list the kinds of evidence the Board requires.
Remember: Ohio Law states that the property values established by the County Auditor are presumed to be correct. It is the complaining party's responsibility to prove the Auditor's values are incorrect.
Typical information the complaining party must provide is evidence, facts, appraisals, comparable sales, conveyance forms, purchase contracts, property photographs, or other information which will demonstrate to the Board that the property's estimated fair market value, as established by the County, is incorrect.

Attend, and participate in the hearing
A lawyer can represent you in this matter. For assistance please email or call us.
A typical Board of Revision hearing usually lasts about 15 minutes. The hearing is recorded by either a tape recorder or a stenographer.

After the complaining party, and any witnesses he/she has brought to the hearing, have been sworn in by the Board of Revision, the individual presents his/her evidence of the property' s market value.
After the evidence and all witnesses have been heard, the Board members may examine those individuals regarding the information that was, or was not, presented.
Receive the Board's decision

Finding the Best Insurance Company

Time To Talk Insurance

This Months Topic: Finding the Best Insurance Company

The Truth
Any drivers, homeowners, or business owners who are looking for a new insurance company or a better price on their current policy should hopefully already know they have many choices to choose from. Today, there are many insurance companies in the marketplace, but not all insurance companies are alike. When deciding which insurance company will provide the best service if you have a claim take a look at the online rating resources available on the internet. The insurance companies that spend millions of dollars advertising are not usually the insurance companies rated the highest by the consumer rating authorities. In fact, from my many years and experiences in the insurance business some of the larger more publicized insurance carriers are very unfair when it comes to paying claims and providing even the basic insurance coverage’s.   
Often, the consumer may wonder what other types of things they can compare besides the price that is being offered. We will go over some other factors about insurance companies that can be looked at and compared to ensure the future policyholder will be satisfied with not only the price they are paying, but also with the insurer as a whole.

Customer Service
The first aspect of insurance companies we will discuss is their ability to provide excellent customer and claims service. Customer service doesn’t just include polite manners used over the phone, but it involves more than that. Any time a policyholder needs to deal with their insurer or agent, whether it is to ask a question, file a claim, or pay a bill, their experience interacting with a representative of the insurance company needs to be a positive and informative.

One way to evaluate an insurer’s or agents customer service abilities is by asking trusted family and friends about who they have used in the past and who they are currently using. Find out about their experiences, both positive and negative. Another way is to gather this type of information is by turning to a third party company that evaluates insurer’s customer claims service abilities. One such company that does an excellent job is JD Power and their findings can be found at Jdpower.com. They evaluate many aspects from claim service options to overall customer service. They give star ratings to each company and annually they determine which company provides the best customer service. It’s a great way to compare insurers using an unbiased reference.

Financial Strength
The next aspect to consider when comparing insurance providers is checking into their financial strength. Wouldn’t it be terrible if you went to file a claim, only to find the insurer doesn’t have any money to pay for the damages that were supposed to be covered according to your policy? You would be left paying for those repairs out of pocket even though you had every right to hand the costs over to your insurer. Knowing the financial strength of an insurer can help consumers to choose the best insurer for them according to the insurer’s ability to pay for what they’ve claimed they will pay.

Much like the customer service review, there are other companies who review the financial status of insurance companies. It would be very time consuming if consumers spent their time watching the quarterly earnings of each insurer they are considering, evaluating how much free cash flow and debt each insurer has accrued. Instead, consumers can turn to companies like AM Best to find these professional ratings and opinions. They are willing to share their findings to the public for free, so every consumer should take advantage while searching for their optimal insurance provider.

AM Best (ambest.com) gives their ratings in the form of letter grades, with pluses and minuses for added levels. They recommend a company who has earned a grade of a B+ or better. AM Best feels these insurance companies are financially secure, while those who receive lower grades are vulnerable to financial mishaps. After all, no one wants to be placed in the negative situation mentioned above when an insurer can’t provide their coverage.

Michael Carlislehttp://www.carlisleinsagency.com/

Michael Carlisle

Michael Carlisle

Pool Safely Educational Video

You could be held responsible under “Social Host Liability”

Having a Holiday Party? Having the Whole family over for Christmas Eve Dinner? You could be held responsible under “Social Host Liability”

I do not want to be the Grinch of Christmas but we don’t want our Christmas surprise to come in the form of a lawsuit. Most of us are aware of business’s legal requirements to stop serving alcohol to people that are visibly intoxicated. This is especially true for those insureds in the business of serving alcohol. What we are not as aware of is the liability we assume by serving liquor in a social setting referred to as “social host” liability. Or when a business is NOT in the business of serving liquor but does so occasionally or incidentially which is referred to as host liquor liability.

Let’s deal first with “social host” liquor liability. We become a social host whenever we are hosting an event that serves liquor be it a dinner party for another couple or putting on a wedding in our backyard. Examples of “social host” liability could be cases where our guest gets intoxicated and hurts themselves or causes injury to others; or the situation where our guest leaves our party and is involved in an accident as a drunk driver. Or, it could be a guest that leaves your party and is stopped and ticketed for drunk driving. I know you might be thinking “my friend…my brother in law would never sue me”. Surprise! They will.

State laws differ as relates “social host” liability and not all states recognize social host liability. However there are some guidelines as to when a host serving liquor can be held liable:
-The host did, in fact, provide or serve liquor to the individual in question
-The individual was intoxicated and caused either bodily injury or property damage to a third party
-The host was aware or “should have been aware” that their guest was intoxicated

We cannot have this discussion without broaching the topic of parents who provide alcohol to minors in their homes—who become “social hosts” to under aged people. It may be that they do not serve the liquor to the minors but make it available or they allow alcohol to be brought in their home by their children’s friends. Some parents use a thought process that goes something like this: I would rather my child drink at home than attend a party and either drive home drunk or ride with someone who has been drinking. And here is the flaw in that thought process while you think you are providing a safe haven to your child, your friend’s parents may not share your same philosophy and, in fact, you have contributed to the delinquency of a minor. If that child gets hurt or hurts others and you contributed to that harm by providing alcohol, you will be named in the ensuing lawsuit and you may find yourself being held liable. And where’s the coverage to protect you, the loving parent, for the lawsuit? The Homeowners Policy? The Umbrella Policy? And the answer is check the policy. While the Homeowner’s Policy may not have a specific liquor exclusion, most policies will have an “expected or intended injury exclusion”.

The ISO 2000 edition says the following:
E.1. Expected or Intended Injury “Bodily injury” or “property damage” which is expected or intended by an “insured” even if the resulting “bodily injury” or “property damage”:

a. Is of a different kind, quality or degree than initially expected or      intended; or
b. Is sustained by a different person, entity, real or personal property, than initially expected or intended.

Could this exclusion be broad enough to remove coverage for the parents? Perhaps it could. Could you then look to the Personal Umbrella? Better read the form. Some forms have a liquor exclusion that applies when serving liquor to a minor.

Let’s talk for a moment about a business that occasionally or incidentally serves liquor. The Christmas season is the perfect time for this discussion. We go to our hairdressers and they offer us a glass of wine, or eggnog with a little bourbon. The office that decides rather than taking everyone to an expensive restaurant will have pizza and beer brought into the office for the big celebration. Is there coverage on the Commercial General Liability Policy for the liability of the business in these situations? Are these businesses in the “business of serving liquor”? The CGL provides automatic coverage as the exclusion only applies if the named insured is the business of manufacturing, selling, serving or furnishing alcoholic beverages. The result of this language is that a business typically has coverage for these “social” situations involving liquor.

Employment Practices Liability Insurance - products and services from Carlisle Insurance Agency

Employment Practices Liability Insurance - products and services from Carlisle Insurance Agency

Auto-Owners is "Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Three Years in a Row" -- J.D. Power and Associates