What are considered “attractive nuisances?”

Posted on November 25, 2024November 22, 2024 by admin

Many industries seem to have their own language. Some examples include the medical field, real estate, and the legal community. To some degree, the insurance business has its own terms you should be familiar with.

For homeowners in Cincinnati, OH, one of those terms may be "attractive nuisance." McCluskey Insurance Services LLC believes that the more you know about home insurance, the more likely you may become our client. Here is an explanation of "attractive nuisance" when it comes to home insurance.

What is an attractive nuisance?

An attractive nuisance is a feature on a property that may attract children’s attention, perhaps causing them to enter the property and potentially causing injury.

What are some examples of an attractive nuisance?

Attractive nuisances include items like a pool or tub, swing set, trampoline, or tree house. These can be temptations for young people in particular and pose risks to them.

Are attractive nuisances covered under home insurance policies?

These nuisances may be covered under a home insurance policy when noted in the policy or through an endorsement. However, some features have been shown to be so dangerous that they may be excluded from coverage. Some providers may even cancel a home insurance policy if a home is discovered to have such a feature. Trampolines and diving boards are two examples of attractive nuisances that are often excluded from coverage.

The impact of an attractive nuisance

An attractive nuisance may raise home insurance premiums or even cause a provider to decline coverage. Contact your agent for details and more information.

Get a quote today

If you are a homeowner in the Greater Cincinnati, OH, area, we invite you to contact us at McCluskey Insurance Services LLC. We will be happy to answer your questions and provide a home insurance review. We can also provide a quote for your home insurance. Contact us to learn more.

Businesses and Professions That Benefit from Umbrella Insurance

Posted on October 28, 2024October 23, 2024 by admin

Umbrella insurance is a policy that extends the liability limits of the underlying policies that businesses and individuals own. Umbrella insurance benefits a range of businesses and professions and is relatively inexpensive, given its value. If you have questions about how umbrella insurance benefits you or your company, consider McCluskey Insurance Services LLC, which serves the Cincinnati, OH, area.

Which Professions Need Umbrella Insurance?

Umbrella insurance supplements the liability coverage of base policies, so businesses and professions that invite suppliers or customers onto their property benefit from its enhanced liability coverage. Professionals such as physicians, lawyers, accountants, and others whose clients visit their offices risk slips, falls, and other mishaps. Similarly, retailers, shops, and restaurants that allow the public on their premises risk having someone fall or suffer other injuries on their property. Finally, real estate agents, commercial property organizations, and others with properties occupied by other businesses face similar risks.

A second group that should consider umbrella insurance is those whose employees or themselves work on property owned by others. Contractors, electricians, and plumbers are among those who run the risk of injuring others or damaging their property while on site. Similarly, any business that makes deliveries, travels for appointments, or drives for other reasons faces potential motor vehicle accidents.

Many other businesses must carry umbrella insurance to meet the contractual obligations when working with government agencies and many private companies. Likewise, any business that could face legal action for slander, defamation, libel, or other issues should consider umbrella insurance.

Working With McCluskey Insurance Services LLC

The McCluskey Insurance Services LLC team serves the insurance needs of individuals and businesses in the Cincinnati, OH, area. Call us at (513) 999-5411 to discuss how umbrella insurance offers the protection you need.

Then and Now Protecting Your Classic Car begins with Insurance

Posted on September 30, 2024September 28, 2024 by admin

Once, the most dangerous weapon a child handled was a B.B. gun, and they could play outside until the streetlights flickered on. For classic car owners, these vintage vehicles serve as much more than nostalgic artifacts. They are akin to time capsules on wheels. As such, classic car owners from all around the greater Cincinnati, OH area trust McCluskey Insurance Services LLC’s professional and experienced agents with their classic car insurance needs.

Bridging the Past and Present with Classic Car Insurance

Classic cars connect to what many fondly remember as a more innocent time. Classic car insurance preserves these portals from the past by providing protection for repair expenses, especially those related to hard-to-find, expensive parts. Moreover, insurance safeguards these vehicles’ cultural and historical value for their owners and the community.

Customized Classic Car Insurance in Cincinnati, OH

Do you reside in or around Cincinnati, OH, and need expert support to navigate the ins and outs of classic car insurance? Look no further than the team at McCluskey Insurance Services LLC. Our seasoned specialists are equipped to answer all your questions and tailor a protective package befitting your prized possession. Contact us today to learn more and schedule an appointment for the classic car insurance solutions you need – preserving the past has never been more reassuring.

Does your auto insurance cover you when you rent a car?

Posted on August 30, 2024August 27, 2024 by admin

Renting a car is an action most people undertake only while on vacation. As it’s not a frequent activity for many, you could be confronted with several unfamiliar questions when completing the rental agreement, likely online. If your car insurance is with McCluskey Insurance Services LLC in Cincinnati, OH, you can contact someone to get the answers you need.

Frequently asked question: Does my car insurance cover me in a rental car? The best answer is – it depends. Not every car insurance policy will cover your rental car. It primarily relies on the type of coverage you have. If your policy is basic with just liability, then no, your car insurance will not suffice. The rental car company expects you to have comprehensive collision coverage to safeguard your vehicle.

However, if you possess a comprehensive policy encompassing liability, comprehensive, and collision, it should cover you when driving a rental car. If you have concerns, your insurance agent should be capable of providing the required information. If the rental company offers additional property coverage for your luggage and other items in your vehicle, and if you have home, condo, or renters insurance, you can decline this additional offer as you’re already covered.

Checking your credit card for any rental vehicle coverage would be beneficial. Many credit cards provide this service. This implies that your credit card will take responsibility instead of your insurance company paying for any repairs. If you’d rather have your auto insurance stay uninvolved, this is your preferred option.

If you have any questions about car insurance, including coverage for a rental car, contact McCluskey Insurance Services LLC in Cincinnati, OH.

Emergency Preparedness – Is Your Home Ready?

Posted on July 30, 2024July 29, 2024 by admin

It’s not always obvious when a disaster will strike, which is why being prepared at all times is essential. The experts at McCluskey Insurance Services LLC in Cincinnati, OH, offer the following tips for being ready for the unexpected.

Create an Emergency Preparedness Plan

Have a plan in place for your household and pets that includes information about an emergency meeting place, health and insurance documents, and emergency contact info. Establish an evacuation route in case of a disaster, and distribute copies of the plan to all occupants in the dwelling, keeping a master copy on hand.

Prepare an Emergency Kit

Assemble an emergency kit with the essentials needed for at least three days following a major storm or disaster. Gather non-perishable foods and beverages, a can opener, and disposable dishware. Ensure to include first aid gear, necessary medications, and infant supplies. Pack a flashlight, batteries, and a battery-powered radio to stay informed about conditions.

Keep small bills and change handy, and be prepared with appropriate clothing for the weather. Include photocopies of important documents, such as insurance, birth certificates, and personal records. Many retailers sell pre-prepared emergency kits, and organizations such as the Red Cross offer basic kits free of charge.

Make a Home Inventory List

Create an inventory of your valuables, including photos, receipts, or video footage. This can serve as evidence should you need to file a claim after suffering property damage. Most insurance providers will supply a list to help you get started, and you can keep these on file with your company.

Get Insurance Coverage Today

Disasters can strike anytime, emphasizing the importance of solid insurance coverage. If you are ready to handle major damage, contact McCluskey Insurance Services LLC in Cincinnati, OH, today to get more information and receive a free quote for the coverage you need.

How Umbrella Insurance Adds to Your Liability Protection

Posted on June 28, 2024June 28, 2024 by admin

You require insurance policies that safeguard your belongings. If you own a car and a home, you likely possess the appropriate policies to cover them. Nevertheless, home and auto insurance do not provide comprehensive coverage for all your assets. An umbrella policy should also be part of your coverage plan for better protection. To understand more about umbrella insurance, do reach out to us at McCluskey Insurance Services LLC in Cincinnati, OH.

Adding Liability Coverage

Both your auto and home policies typically include some measure of liability coverage. Each policy will include a specified liability coverage amount, which may not suffice. This is particularly true in grave accidents involving hefty medical expenses. There’s a common occurrence of people not having enough liability insurance to cover these costs. This implies that you might have to bear an additional expense once your liability coverage reaches its maximum.

Paying the Overage

That’s where your umbrella policy steps in when there’s an excess after your home or auto insurance has covered as much as they can. It caters to the leftovers, so your finances aren’t strained. The liability coverage offered by an umbrella policy is enormous. Even a seriously drastic accident could be accommodated under these policies. It can prevent you from filing for bankruptcy in the aftermath of a severe accident. Umbrella insurance is also cost-effective and comparatively inexpensive for the huge volume of coverage offered. It’s more affordable to opt for one of these policies than it would be to add extra liability coverage to each of your current policies separately.

Get Umbrella Insurance

When you’re ready for an umbrella insurance policy, contact us today at McCluskey Insurance Services LLC in Cincinnati, OH.

What Business Owners Need to Know About Insurance

Posted on May 31, 2024June 3, 2024 by admin

Starting your own business is an exciting endeavor. Many people have dreamed of this for years. If you want to see this dream succeed, you must consider how you’ll protect all the hard work and money you’ve invested. Commercial insurance is one of the best ways you can protect what you’ve built. Here at McCluskey Insurance Services LLC, serving Cincinnati, OH, and the surrounding areas, we can help you better understand your insurance needs.

Why Commercial Insurance?

There are so many layers to running a business, and almost all of those layers need some form of insurance protection. Having multiple insurance policies, though, can be confusing and inefficient. Commercial insurance is specially designed to bundle different insurance policies together to help simplify things for busy business owners. When you purchase a commercial insurance policy, you can rest assured that you’ve got your bases covered with the least amount of stress and headache.

What Coverage Do I Need?

Since no two businesses are identical, no insurance policies will be identical. The best way to determine your coverage is to sit down with an insurance rep. This professional will look at all of the details of your business and will advise you on what types of coverage and what amounts of coverage are best.

What Happens Without Insurance?

Some types of coverage will be required for you to operate your business legally. But even beyond legal requirements, you are putting yourself at extreme financial risk without insurance. If there is significant damage to your property, someone is injured on your property, or someone is injured because of your goods or services, you can be held financially liable, and this can put your business at risk.

If you’d like to learn more about commercial insurance, please contact us today at McCluskey Insurance Services LLC, serving Cincinnati, OH, and the surrounding areas.

Why You Should Carry Your Car In A Trailer

Posted on April 30, 2024May 1, 2024 by admin

There isn’t a secret that having a classic car means you’ll want to show it off from time to time. While you could drive it to different car shows, it’s a good idea to carry it on a trailer instead for several reasons.

Prevent High Mileage

Probably the biggest benefit of carrying your car on a trailer is the prevention of high mileage. A part of preserving a classic car is reducing the amount of miles you put on it so it will last longer. When carried on a trailer, you aren’t adding to that mileage and wearing down the value of the car. This allows you to maintain the value of your classic car for a much longer time.

Protect Tires

While some carry their classic cars on dollies, a trailer will protect the tires on your classic car. It’s not only stopping the mileage build-up, but there isn’t any wear and tear on the tires as there would be with a pull behind the dolly. In addition to the tires, you’re also reducing damage to the undercarriage because the car isn’t directly on the highway and can’t be damaged by rocks and debris on the road.

Weight Management

Some classic cars and vehicles are pretty heavy because of the material they’re made of. Trying to carry a classic car with a dolly could put significant strain on your modern vehicle. If you pull it with a trailer, you can easily manage the weight of the vehicle and get to your destination a lot safer than with a dolly.

If you own one or more classic cars in the Cincinnati, OH area, contact our agents at McCluskey Insurance Services LLC for a personal quote so you can protect your vehicles.

Driving Through the Seasons in Cincinnati, OH: Auto Insurance Adjustments

Posted on March 29, 2024March 27, 2024 by admin

Change is inevitable, especially with the changing seasons. McCluskey Insurance Services LLC is committed to assisting Cincinnati, OH residents in making the necessary adjustments to their insurance policies. This guide offers insights into how seasonal changes can impact your policy.

Seasonal Policy Alterations

Let’s say you’re planning to park your vehicle during a particular season. You might be tempted to cancel the insurance policy once the season changes. However, there are options that allow you to maintain coverage without making drastic modifications. For instance, switching your policy to a comprehensive insurance option offers basic protection against weather-related damage and theft while the vehicle isn’t in use.

Adjusting Work Vehicle Policies

Perhaps you own a work vehicle that you’d like to use for personal purposes during the off-season. Adjusting the policy to reflect personal usage generally results in less expensive coverage. However, it’s important not to drop an insurance policy altogether, as providers often value continuous coverage.

Cincinnati, OH, drivers seeking more information about the importance of auto insurance adjustments are encouraged to contact McCluskey Insurance Services LLC. Our team of professionals will ensure you’re equipped to weather the seasonal changes confidently.

What Umbrella Insurance Covers

Posted on February 28, 2024February 23, 2024 by admin

Individuals seek protection for their financial future. Umbrella insurance offers viable coverage for accidents in their dwellings and property. It is the most effective way to get extra coverage for an existing insurance policy. The McCluskey Insurance Services LLC in Cincinnati, OH can assist in showing how umbrella insurance becomes a safeguard for your possessions.

What is Umbrella Insurance?

Insurance providers define umbrella insurance as extra coverage that protects your financial interest in case of an accident, fire, theft, or property damage. Also, it will provide financial protection in a potential liability lawsuit. Umbrella insurance will pay for all expenses after your existing insurance policy has exceeded its coverage limits.

How Umbrella Insurance Works

Most policyholders will add umbrella insurance as liability coverage to their commercial, home, auto, or boat policy. It will protect a business from potentially losing a lawsuit or insurance claim, as the sum could be greater than the policy’s payout amount. Also, it gives extended coverage to all in the household. Failing to have umbrella insurance could force you to close your business and turn over your assets. Instead, umbrella insurance will pay all claims beyond the policy’s limits.

Is Umbrella Insurance Worth The Coverage Provided?

A policyholder must ask himself if umbrella insurance is worth the coverage provided. It is if you have a significant financial portfolio, as umbrella insurance protects your interests. The protection is valuable in case of a potential lawsuit. However, the coverage will not pay for medical bills or property damage. Also, it will not reimburse for business losses.

If you are unsure if umbrella insurance is the right coverage for your needs, speak with McCluskey Insurance Services LLC in Cincinnati, OH. Our staff can ease your concerns by crafting coverage that protects your assets. Call and schedule a meeting today.

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