Survive your Small business
Small Businesses have unique needs. The Church Agency, located in Akron, OH, specializes in meeting those needs. Have you considered all the risks that your small business may face? Are you protected enough? Does your current provider know all the intricacies of your particular industry, location, needs?
Here are 5 tips that to consider:
- Compare Coverage
- Assess your Industry’s Settlements
- Get the Package Deal
- Find a Specialist Broker
Contact us today for a free assessment of your business’ policies. Protecting your small business from risks is the foundation of success. Take the necessary time to investigate your business liability insurance needs with an insurance representative, your industry association, and peers. It could be the most important decision to your company’s survival.
Happy Customers Are What We Strive For!
Happy customers are the secret to success.
Now that all the interaction points between customers and a company are mapped, an evaluation phase can take place through our Happy Customer Program. The Church Agency would like to invite our clients to take a Happy Customer Survey and tell us what you think! Not only will we be provided with your valuable feedback but you will be awarded a $5 Starbucks gift card!
It’s our way of letting you know how valuable you and your opinions are to us!
So what’s to lose? 5 minutes of your time for $5 of delicious warm Starbucks Coffee on a chilly Ohio morning?
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
Auto Insurance After a DUI
Obtaining affordable car insurance after a DUI / DWI conviction can be extremely challenging. Many national car insurance companies will vastly increase your rates or cancel your policy altogether after a drunk driving conviction or an administrative DMV suspension.
We understand that you need affordable, reliable car Auto Insurance more than ever after a DUI / DWI conviction, and we`ll help you find the coverage you need. Simply contact The Church Agency for a free, no-obligation Auto Insurance quote.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
Survive Your Small Business
Small Businesseshave unique needs. The Church Agency, located in Akron, OH, specializes in meeting those needs. Have you considered all the risks that your small business may face? Are you protected enough? Does your current provider know all the intricacies of your particular industry, location, needs?
Here are 5 tips that to consider:
- Compare Coverage
- Assess your Industry’s Settlements
- Get the Package Deal
- Find a Specialist Broker
Contact us today for a free assessment of your business’ policies. Protecting your small business from risks is the foundation of success. Take the necessary time to investigate your business liability insurance needs with an insurance representative, your industry association, and peers. It could be the most important decision to your company’s survival.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
New Health Insurance Fee For Research Sparks Questions.
The AP (12/28, Alonso-Zaldivar) reports, “Starting in 2012, the government will charge a new fee to your health insurance plan for research to find out which drugs, medical procedures, tests and treatments work best.” While the goal “is to answer such basic questions as whether that new prescription drug advertised on TV really works better than an old generic costing much less,” the piece notes that “the idea of medical effectiveness research is eyed with suspicion.” Kathryn Nix, a policy analyst for the Heritage Foundation, remarked, “The more concerning thing is not the institute itself, but how the findings will be used in other areas. Will they be used to make coverage determinations?”
Contact The Church Agency to find out more about your health insurance plan.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Healthcare Reform Law Already Affecting Millions
Leading news from the National Association of Health Underwriters
USA Today (12/28, Kennedy) reports that “it can be difficult to dig through the rhetoric to determine just what the 2010 health care law has done,” but “proponents and foes say big pieces of the law have been enacted and have already affected millions of people’s lives.”
Don Berwick former administrator of the Centers for Medicare and Medicaid Services, remarked, “It’s complicated, but there are very many benefits affecting millions of people. They will not know it’s the Affordable Care Act, but it is.” The piece highlights “five major changes in health care that occurred in 2011 because of the health care law,” including a crackdown on fraud and more benefits for young adults and seniors.
If you have any questions about your Health Care please contact a professional at The Church Agency.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
7 Tips to Stay Safe from Drunk Driving/Drivers This New Years Eve
The Church Agency, not only wants you to have a festive time bringing in the New Year but also remember, buzzed driving is drunk driving. If we can educate people that buzzed driving is also unacceptable and will also cause car accidents, we are saving lives.
Here are 7 New Year’s Eve safety tips:
1. Have a designated driver: Do not ever drink and drive. Ask a friend or a family member for a ride, or make a reservation for a taxi.
2. Monitor your alcohol intake: Many people associate New Year’s Eve celebrations with drinking. Be aware of how much you are drinking. Make sure you stay hydrated (with water) and that you eat enough.
3. Take the keys: If you have a friend who is too drunk to drive, take the keys. Get your friend a ride home with a trusted sober driver, or call his or her family for a ride.
4. Stick together: Going to parties, bars and dance clubs can be hectic, and with too much alcohol, some people lose control. Traveling in groups creates a safety net.
5. Stay off the roads: Drinking and driving car accidents are highest between 8 p.m. and 2 a.m., so try and stay off the roads during those hours.
6. Drive defensively: If you must drive, be aware of your surroundings, drive defensively and call the police if you see anything illegal or suspicious taking place. As always, wear your seat belt and don’t drive distracted.
7. If you’re hosting a New Year’s Eve party, adhere to the following safety suggestions:
• Have a ride for your guests: Contact a local cab company so your guests can have rides.
• Juice, soda, water: Also serve non-alcoholic beverages for your guests. Have lots of water on hand.
• Plenty of food: Make sure you have enough food on hand so your guests can have something on their stomachs beside alcohol.
• Stop serving: Stop serving alcohol well before the party ends.
• Sleep over: Let your guests stay the night if they wish to stay off the roads.
Happy New Year from The Church Agency, everyone.We hope that you will consider our suggestions this year and always remember to never drink and drive! Let’s all look out for each other and have a great 2012.
For a free Auto Insurance quote please contact The Church Agency. We are here to satisfy all your insurance needs and never leave you wondering what you Auto Insurance Policy covers.
Why The Church Agency for Your Planes Aviation Insurance
Aviation Insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits and clauses specific to Aviation Insurance.
Not sure what you need? The Church Agency located in Akron, OH, has the expertise and experience to guide you.
We are very knowledgeable about the current status of the aviation market as well as the policies and forms that are available to you. We are committed to giving you the best service available and have the resources and ability to assure that.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
May I Introduce You to Christmas!
Merry Christmas and Happy Holidays from our family at The Church Agency to yours! Have a safe and joyful holiday season!
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
POLICY DEDUCTIBLE INCREASES: THE SAFER WAY TO SAVE PREMIUM DOLLAR
Money is still tight for many Americans, meaning most are still looking to save when and where they can. Some people have even turned to their insurance policies as a place to cut costs. Insurance can be expensive, but consumers need to ask themselves where and how they can really save money in this area without jeopardizing the protections offered by their coverage.
Two typical places that many insured individuals think they can cut the cost of their premiums are from reducing the dwelling/liability limits on their Homeowners policy and reducing the liability limits on their Auto insurance policy.
In reality, cutting the liability limits on these policies leaves you highly vulnerable to risk and will not ultimately save you any money over the long run. Although you might save a few dollars now with such tactics, it really isn’t worth it when you stop to think about just how much you could lose if you were sued after someone was injured in your home.
If you want to decrease your premiums, a much more prudent way to do it is by increasing the deductibles in your auto and/or home policies. A deductible increase from $250 to $500 could save you up to 15% on your Homeowners insurance premiums. You can save 30% or more on your premiums by raising the physical damage deductible on your Auto insurance policy to $500 or $1,000 dollars.
Some consumers get nervous about not having the $500 to cover their newly raised deductible should they need to file a claim. Since the situation doesn’t involve thousands of dollars in difference, it’s likely to be just as difficult for most people to come up with $500 as it would be $250. The only difference will be that the extra premium savings can be saved and set aside to cover the higher deductible from any future claims. In most cases, the additional $250 could be saved in less than 24 months.
If you’re nervous about taking the larger leap to a $1,000 deductible, then you can always take a slow and steady approach. You might increase your deductible to $500 first. You can open a savings account for the premium dollars you’ll save each month from having a slightly higher deductible. Although it might take some time, you can eventually raise your deductible to $1,000 when you have saved $500 to $750 dollars in the account.
Unlike lowering limits, deductible raises can save you money without placing you at a greater financial risk.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
AND THE WINNER OF THE iPAD2 IS…….
Congratulations Amanda J. Dickey- Ballentine!
Amanda (25) was so surprised when The Church Agency came knocking on her door with a brand new iPad2! She had just got off the Polar Express train ride with her sons Blake (3), and Aden (1). Amanda’s Husband, SGT. Joey Dickey-Ballentine could not be present on this cheerful occasion.
SGT. Ballentine is currently in Mississippi getting ready for his 3rd deployment overseas. He has been gone since October and will be leaving to Afghanistan soon.
Amanda is a LPN working at Parma Community Hospital and taking care of their two young boys. She is also currently on her way to become a RN.
We wish SGT. Ballentine a safe and sound return home. We salute you!
The Church Agency would like to take a moment to wish all the men and women who serve our country overseas a safe return home and a blessed holiday season. Thanks to everyone of you for all your efforts in protecting our country. Happy Holidays!
Happy Holidays to you too Ohio and stay tuned for future promotions!
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
Is Your Boat Insured?
Your boat is probably one of your most treasured and valuable possessions. Unfortunately, a boat can also be vulnerable – to accidents, storms, and theft. In addition to giving you peace of mind, boat insurance coverage provides protection for you, your passengers and your boat.
Boat insurance provides physical damage coverage to repair your boat if it’s accidentally damaged or destroyed by a covered peril such as collision, fire, theft, windstorm, lightning or vandalism. This coverage is broad, and provides coverage for the boat, including its machinery and auxiliary equipment, outboard motors, boat trailer and personal property.
The Most Common Optional Boat Insurance Coverage’s:-
- Personal Property: Cell phones, cameras and even personal flotation devices are often considered personal property on a boat. If a boat owner wants coverage for any of these items and other personal property they will want to consider adding additional personal property coverage to their boat insurance policy.
- Fishing Equipment: All boaters know that fishing equipment is expensive and personal. To make sure one’s fishing equipment is covered adequately a boat owner will want to add fishing equipment coverage.
- Uninsured boater: Getting hit by a boater carries enough problems but the problems get even worse when the offending boater does not carry insurance
- Replacement Cost Coverage: This coverage will give a boat owner the full replacement value of their boat if their boat becomes a covered total loss under their boat insurance policy. The usual time period to recover the full replacement cost amount is three years.
Because of the special risks involved with boating, our policies also provide compensation for medical expenses, if your passengers are injured in an accident that involves your vessel, and liability protection, in the event that you are sued. Contact The Church Agency today for more details about Boat Insurance.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
LIFE INSURANCE THROUGH YOUR EMPLOYER MAY NOT ALWAYS BE ENOUGH
As you reach different stages in life, your Life Insurance needs change. Getting married and having children are just two examples of the kind of life-altering events that necessitate increasing your coverage.
One place people often turn to when they need more Life Insurance is their employer. You might already be covered under an employer-paid Life insurance policy. Many companies offer a minimal amount of Life insurance coverage as part of their general benefits package.
Don’t be lulled into believing that this is enough coverage. Typically these policies only provide coverage that is one or two times your base salary. According to The Life and Health Insurance Foundation for Education (LIFE), most people need somewhere in the range of five to fifteen times their net income and sometimes even more. If your employer offers a buy-up Life Insurance option, you could always obtain additional coverage to supplement the employer-paid policy. There are two definite advantages to this approach:
- There usually are minimal health qualifications to be approved for the group coverage.
- The premiums are automatically deducted from your wages, which decreases the chance of missing a payment.
However, there are some other factors to consider before you buy coverage through your employer:
- The type of insurance offered under the plan. Most employers provide Term insurance, which pays a death benefit only if you die during the life or term of the policy. Unlike Permanent insurance, the premiums you pay for Term insurance don’t earn interest, and the policy doesn’t build cash value.
- The method used to calculate premiums. You need to determine whether your employer’s plan charges all employees the same premium, or whether premiums are calculated by age group, a practice commonly referred to as age-grading.
- The status of your health. Employees with health problems who obtain coverage privately will likely pay more than they would if they purchased coverage under their group plan. However, healthy employees are likely better off finding insurance outside their group plan.
- The inability to take your Life insurance with you when you change jobs. When you leave your employer, you leave your group coverage behind too. This is a serious consideration if you’re older because there is the possibility that your health could deteriorate in the future, which would make it more difficult and unaffordable to purchase coverage on your own. This lack of portability makes it a good idea to own some insurance outside your employer’s plan.
Contact The Church Agency to learn more about our various coverage options receive a complete coverage review—as well as your free quote today!
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
ONLY 5 DAYS LEFT IN OUR iPAD2 GIVEAWAY OHIO!!!!
Attention Ohio Residents! The Church Agency, Inc. is giving away a free iPad2! All you have to do is fill out a quick inventory survey by entering our promotion. No obligations, no joke, no spam! We will be doing the drawing on December 5th which is right before Christmas! The winner will be announced on our fan page so come “LIKE” us too! Thanks to everyone who supports The Church Agency! Best of luck to all who enter!
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
Some Tips For your Teen Driver
As Parents we are always worrying about our children from birth. Having a teenager can make us more worrisome due to the fact of their growing independence. Part of your teen becoming independent is learning to drive. When they get the coveted license to drive you feel like you might have a heart attack.
Here are some driving tips for teens to help you put your mind at ease:
- Always be alert when driving – keep your eyes and ears open.
- Stay focused on your driving – don’t be distracted by passengers, the radio, or a cellular phone.
- Always wear your seatbelt – seatbelts can reduce the risk of fatal accidents.
- Don’t drink and drive – statistics show that 60% of teenagers involved in auto accidents have been drinking.
Making sure your teen is properly insured with the right Auto Insurance is also essential in keeping a rested mind. Give The Church Agency a chance to keep you teen protected while out on the road.
600 E. Cuyahoga Falls Ave.
Akron, OH 44310
Local #: 330.733.1800
Toll Free #: 877.737.0758
Fax #: 330.794.0055
