Newsletter

November 2018 - Number 2018-4478-11
Insurance Industry Workplace Readiness program
Insurance careers are stable, rewarding, limitless, and meaningful. By 2024, Ohio’s insurance industry will need to fill 29,000 jobs.Are you looking for support to boost your skills and knowledge to give you the competitive edge in your new or current insurance career? The Institutes is offering a convenient and affordable program which can do just that! Read more
CIB Holiday Luncheon  

Start the holiday season off by joining us for the annual CIB Holiday Luncheon on December 6, 2018 at the Kenwwod Country Club. This year the featured speaker will be Jill Meyer, President and CEO of the Cincinnati USA Regional Chamber.   More information
Ohio Home and Auto Insurance Rates Well Below National Average

Ohioans pay an average of $819 (9th lowest) for homeowners insurance and $703 (14th lowest) for auto insurance compared to the national average, according to the most recent data from the National Association of Insurance Commissioners. Ohio’s combined average premiums are $540 below the national averages .   Read more
Ohio Cybersecurity bill helps protect your Business
Gov. Kasich has signed Senate Bill 220 (S.B. 220) to create a legal safe harbor for businesses that experience a data breach provided they have voluntarily implemented a cybersecurity program that meets certain requirements.S.B. 220 does not bar a lawsuit but provides the opportunity for a business to provide evidence that reasonable policies and protections were in place to prevent the breach and, essentially, provides guidance as to what is reasonable Read more
Risk Tips
Exercise Smart Risk Control for Mold Losses

Mold claim costs have increased dramatically over the years. According to the Insurance Information Institute, the typical mold claim may cost 5–6 times an average homeowners claim. Part of this reason is the additional living expenses component of the claim. Frequently, a home owner must temporarily move out of the home due to necessary and major remediation work.. Read more
Case of the Month
Ohio Supreme Court - Subcontractors not covered under CGL policy

On October 9, 2018, the Ohio Supreme Court ruled that an insurer has no obligation to defend or indemnify a commercial general liability policyholder against a suit by a property owner since a subcontractor’s defective work does not constitute an occurrence necessary to trigger coverage.  Read more
law
What you need to know about "Valued Policy" states
Can you explain the difference between a “valued policy” state and one that is not? Does this apply to both personal and commercial lines policies? Is it specific to named or special form perils, or to certain types of policies? Read more
OHIO’S INSURANCE INDUSTRY
The size and importance of Ohio’s insurance industry can be measured in several ways – but any way you look at it the Ohio insurance industry is a key economic driver of the state’s economy. With more than 200 insurance companies based in Ohio, jobs and financial security are provided to a workforce of 108,000+ Ohioans and growing. The robust competition among the numerous insurance companies operating in the Buckeye state gives Ohio consumers many choices and some of
the lowest rates in the nation. Read more
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
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