commercial insurance | Hummel Group

commercial insurance

Can Military Action Affect Insurance Prices?

The U.S. involvement in conflicts around the world is bound to bring about questions and feelings of uncertainty. The possibility of additional military action abroad has had a few clients ask us about its affect on insurance pricing. The simple answer is, military conflict has no to little effect on U.S. insurance prices, especially in the short-term.

Transportation Risk Specialists - What Are They?

You may notice that some insurance agents have the letters “TRS” next to their name. TRS stands from Transportation Risk Specialist. The designation indicates that agents have gone through specialized training, evaluation, and work experience to develop specific expertise when it comes to understanding and serving the needs of the trucking & transportation industry.

Tis the Season for an Insurance Review

As another year comes to an end, it’s good to take stock of changes in your life or lifestyle that will affect your insurance protection in the New Year to come. The end of the year is a good time to conduct an insurance review to see if your policies still reflect the coverage you need or want. If changes are in order, it’s best to make them now so you can face the New Year with confidence knowing you’re fully protected against any eventuality. 

What Insurance Should Businesses Carry for Black Friday?

While the average insurance provider doesn’t offer a specific Black Friday insurance plan, there are certain types of insurance protection that are wise for all business owners to invest in prior to Black Friday sales. For those who are new to the wonderful world of retail on this busy shopping day each year, there is one rule of thumb to remember – the parking lot may be a jungle, but inside the store is a zoo on Black Friday.

Orphan Well Program and Requirements for Becoming an Approved Bidder

What is an Orphan Well?

Orphan wells are old and abandoned oil and natural gas wells where no owner or responsible party can be found. These wells may be a hazard to the environment and your health and safety and they must be plugged.  The Ohio Department of Natural Resources (ODNR) is planning to plug approximately 175 wells this coming year.

Amish Taxi Insurance

Because of the area we live in, we get a lot of questions about hauling Amish for hire. Often a client comes in to review their personal auto Insurance policy, casually mentioning that they haul Amish. They soon discover personal auto insurance policies do no cover this type of activity since it is a business activity.