By Cincinnati Loss Control Phones are a dangerous distraction, and that’s just part of the story. GPS, radio knobs - anything that lures your eyes off the road is a threat. Smartphones have brought a deluge of texting...

Read More

April showers bring ... spring tornadoes? It’s not officially spring without an abundance of rain and thunderstorms here in the Midwest. In addition to lightening, thunder and high winds that often accompany a spring...

Read More

Do you have a homeowner or renters insurance policy? If so, your belongings are covered. But don’t make the mistake of assuming you’ll remember all your possessions if the worst happens and you have to file a claim....

Read More

If you are purchasing auto insurance in Missouri, you may be tempted to buy just the minimum required by the state. After all, that’s usually the cheapest way to go. But our experts at Lang Insurance recommend more than...

Read More

Do you have a personal umbrella policy? If so, we congratulate you. This is a smart move to increase your liability protection. If not, read on to learn more about umbrella coverage and why excess uninsured motorist...

Read More

If you have earthquake insurance or are thinking of purchasing it, it’s essential to understand how this specialized insurance functions, including the deductible. Here’s what you need to know from the pros at Lang...

Read More

Most insurance policyholders are confident their Missouri home and auto insurance will cover them no matter what. But they may not be aware they have gaps in their coverage that could leave them vulnerable to legal and...

Read More

The July-August 2020 edition of CDS Review, a publication of the Chicago Dental Society, features an article by Mike Terrell, national program director for Cincinnati’s dentist, veterinarian and optometrist programs....

Read More

If you’re feeling like your home and auto insurance policies are costing more than they should, we have good news! There are loads of ways to save on your insurance when you know how. Here are seven pro tips to get you...

Read More

Are you confused about replacement cost versus market value when it comes to a home insurance policy? Not to worry - we explain what they mean and review the advantages and disadvantages of each, so you can choose the...

Read More

If you’ve had damage to your Missouri home, you may be wondering if you should file an insurance claim. The answer isn’t a clear-cut “yes” or “no.” Read on to learn more about when it’s best to file a claim and when it’...

Read More

Water damage from sewer backups and burst pipes makes up a large portion of home insurance claims in Missouri every year. These claims are particularly costly to insurance companies and property owners because of the...

Read More

Severe weather events are increasing in frequency across the country, especially in Midwestern states like Missouri. You or someone you know has probably experienced a major storm, flood, or fire recently. Unfortunately,...

Read More

If you’ve been putting off getting home and auto insurance because you’re not sure what’s needed, we explain it all here for you. Read on to see our most frequently asked questions about preparing to get a quote. What...

Read More

Every year, thousands of people in Missouri experience winter emergencies in their homes that cause damage, increased insurance claims, and even fatalities. Many of these emergencies are avoidable if you practice good...

Read More

Before It Gets Cold• Check and drain the water supply lines to your sprinkler or irrigation system • Disconnect and drain outdoor hoses and place an inexpensive foam cover over the faucet. • Insulate water pipes. • Know...

Read More

Conduct regular inspections of your hardscaped areas. Cobblestone or interlocking paver driveways or sidewalks can be an attractive addition to your property, providing an architectural element not possible with cement...

Read More

You are in your house. Suddenly you see water rushing out of the dishwasher. You need to shut off the water quickly to stop the flow and prevent damage. Would you know where to find the main water valve? Because all...

Read More

Building a new home or considering a major renovation of your existing home? Consider installing or retrofitting with a fire sprinkler system. Sprinklers save lives. One of the most significant threats to your home,...

Read More

As temperatures drop and winter takes hold in many parts of the country, now is a good time to prepare for the winter chill and to be reminded of how to stay safe during spells of cold weather. MAKE AN EMERGENCY KIT...

Read More

Imagine sitting down for a delicious meal with your family. You’re about to enjoy your first bite when you hear what sounds like a motorcycle passing in your backyard. You feel your body tremble and shake and realize...

Read More

Automatic fire sprinklers can save lives and reduce property losses in the event of a fire. But to be effective, they must remain in good working order. Property owners can protect their buildings and occupants through...

Read More

You and your passengers depend on your tires for a secure ride. Stay safe and save money by regularly maintaining your tires. The National Highway Traffic Safety Administration provides a wealth of tire safety...

Read More

When you’re buying homeowner insurance, how do you determine the replacement cost of your home? Many homeowners automatically base the replacement cost on the current market value. But that method could leave you with...

Read More

Distracted driving has become an escalating and deadly problem. The National Highway Traffic Safety Administration recorded 2,841 distracted driving-related deaths on our nation’s roads in 2018 – 7.8% of all crash...

Read More

Disasters can happen anytime...anywhere...to anyone: Be prepared. The past decade brought an ever-increasing number of natural disasters and other catastrophic events, affecting people and property. Make sure you are...

Read More

You do not have to live in a designated flood zone to be susceptible to flood loss. Because most standard home insurance policies exclude coverage for surface water that damages property, you may need to obtain coverage...

Read More

Quality is king in construction. Reputations hinge on excellence, which is why most contractors work hard to ensure they produce quality products. The more robust the quality management process, the better. If you want...

Read More

Owners of private companies without shareholders often believe they do not need directors and officers liability coverage. The misconception takes hold, I believe, because small, privately held companies often have no...

Read More

Just about everything you do today carries a cyber security risk: networking on social platforms, working from home in the COVID-19 era, video conferencing for work or leisure, paying bills or shopping. Learn how to...

Read More

With normal vacation travel disrupted because of pandemic concerns or restrictions, many people are choosing to get away to vacation or secondary homes. Because these homes may not have had inhabitants for quite some...

Read More

When shopping for homeowner insurance, you may hear the terms “market value” and “replacement cost” multiple times. It’s important to have a grasp of the difference. They are not interchangeable. Market value is the...

Read More

With the dine-in restaurant world shut down, we are cooking more at home – and we have the grocery bills to prove it. But with more cooking and more time being spent at home comes the very real potential for kitchen-...

Read More

Pondering life insurance can swiftly flood your mind with questions. How much do I need? What does life insurance do? How much will it cost? Where do I begin? Life isn’t always easy, but life insurance can be. Spelling...

Read More

When you think if purchasing insurance, you may feel the most important factor is how much money you can save. We are all inundated with ads pushing a money-saving mindset complete with cute animals, catchy phrases and...

Read More

Let’s celebrate one of the world’s most useful inventions, umbrellas! They come in many different types from a brolly to bumbershoot and a parapluie. But why stop there? While umbrellas help keep us dry from the rain, a...

Read More

While it may be impossible to prevent infection from the new coronavirus, you can take steps to minimize the risk of COVID-19 illness in your home or office. HOME CLEANING - The U.S. Centers for Disease Control and...

Read More

Scammers love to exploit fear, and there’s plenty of that around right now with the COVID-19 threat. The most recent round of fake emails play off pandemic fears and promote false information. Federal agencies,...

Read More

Even if you don’t live in a flood plain, the potential for flooding could be a concern anywhere in the country. Flooding is the most common natural disaster in the U.S. and occurs in every state and territory. In fact,...

Read More

Spring has sprung, and all you can think about is a pleasant drive to the coast, the mountains or your favorite lake. But after an hour on the road, your car stalls. Your carefree drive has become a tow-truck ride to a...

Read More

Every 60 seconds in the United States, more than 2 million search requests pass through Google, 3,600 images are uploaded to Instagram and roughly 200 million emails are sent. While web activity has become second nature,...

Read More

One winter headache a homeowner doesn’t need – and can take steps to avoid – is an ice dam on the roof. Ice dams can damage walls and ceilings and possibly trap moisture, which could lead to mold, mildew and respiratory...

Read More

Even before winter officially arrived, it probably took only a few chilly nights to get you to reach for your thermostat. No matter when you decide to put your home heating system back in action, be mindful that heating...

Read More

You’ve grown tired of your current ride and you’re ready to get something else. You shop around and find a car you like, but you’re not happy with what you’re being offered for trade. You think, “I can get more money by...

Read More

The annual holiday search is on for the perfect gift for your children or grandchildren. You can spend a lot of time and effort buying gifts ... it can be overwhelming. You recognize that as children grow, their...

Read More

You can take steps to ensure your home is well prepared for winter weather – and that your family doesn’t get any colder than they want to be. Consider these suggestions for your comfort and safety. INSPECT THE HEATING...

Read More

Snow can mean more than a temporary loss of electrical power or inaccessible roads. Unless you prepare for snow, excessive accumulation can also cause a building’s structure to fail or even collapse. The northeastern...

Read More

Claims experience shows that theft losses can be prevented when a central station burglar alarm is installed and activated in your home. Improve your family’s security and reduce the potential of home intrusion by...

Read More

It takes only minutes for a fire to escalate. Even with the responding fire department’s prompt arrival, a home could be destroyed. To help avoid this, have your home fitted with a residential sprinkler system. A...

Read More

Many people struggle to understand annuities and wonder if they really need one or not. To help shed light on this situation, let’s look at one example. “Tom,” a 60-year-old widower, purchased an annuity 20 years ago....

Read More

Corporations are no longer the only ones looking at cyber security. Increasingly, homeowners whose networks can make them vulnerable to cyber extortion, cyberattack and online fraud are seeing cyber security as a...

Read More

Water damage is consistently a common and severe cause of loss to homeowners. It is amazing to see the damage that water can do. Water carved the Grand Canyon – just think what it does to drywall or plaster! The good...

Read More

It’s easy to get caught up in excitement when you’re looking for a new home. Keep in mind, though, when a home is listed for sale, it is being presented as positively as possible. As a prospective buyer, you will want...

Read More

We’re less than four weeks from the start of fall: time to start thinking about some annual tasks if you live in a part of the country with seasonal temperature changes. INSPECT YOUR HEATING SYSTEM - Whether it’s a...

Read More

Back in the early days of home security "systems," around the end of World War I, it was common for homeowners to hire "door shakers"-night watchmen who would literally walk around and check doors to make sure they were...

Read More

One of our family’s most favorite vacations was almost over before we left town. A few summers ago, I pre-paid for a week in the Rocky Mountains. It was going to be five FUN-tastic days of dude ranching and whitewater...

Read More

Every year nearly 300 children under the age of 5 drown in swimming pools in the United States, making it the leading cause of death for children in that age range. Tragically, 87 % of these deaths occur in backyard...

Read More

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are...

Read More

Does your homeowner policy have sufficient coverage limits to help you recover fully after a loss and avoid incurring serious financial burdens? It’s a question many people don’t ask, and if they have a claim, it can...

Read More

While tornadoes can occur throughout the year, spring and early summer are peak months in most of the United States. Prepare to respond to a tornado by stocking your emergency kit, updating your family’s emergency...

Read More

Spring weather brings hope for new beginnings and warmer temperatures. Plants, welcomed or not, start to burst out of their winter slumber. Sunshine fills the house, prompting us to spruce up indoors and outdoors. ...

Read More

High winds are a danger to people and property. Learning what to look for and how to properly prepare can save lives and minimize damage. WIND CHARACTERISTICS - Wind damage can come from wind alone or from severe...

Read More

Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or...

Read More

Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having...

Read More

If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a...

Read More

If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a...

Read More

Your business, whatever its size, most likely processes and maintains information every day. At least annually, take time to review your data privacy practices to reinforce your information security and to reassess your...

Read More

While you work hard to earn money, criminal enterprises are working hard to steal it. So let’s take a minute to brush up on the latest tricks, scams and methods criminals are using to steal data and money from you and...

Read More

ax return identity theft has reached such epidemic proportions that it tops the list of the IRS’s Dirty Dozen Tax Scams. Here are tips the IRS wants you to know about identity theft so you can avoid becoming the victim....

Read More

Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to...

Read More

While even the best forecasters cannot guarantee what’s ahead this winter, now is the time to prepare yourself and your home for the coming season. In recent years, record low temperatures caused pipes to freeze in...

Read More

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your...

Read More

Now that nearly every person of driving age has a cell phone, most of us has experienced the danger of distracted driving. Whether we have been tempted to send a quick text while cruising down the road or we have seen...

Read More

Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade...

Read More

Although summer is winding down, there is still plenty of opportunity for friends and family to gather at someone’s home or at a public venue. Before you plan your outdoor event, be sure to review your liability...

Read More

Are you thinking about buying a boat? If so, there is a lot to consider before choosing to financially and responsibly commit to being a boat owner. One of the major considerations in boat ownership is insurance. How...

Read More

For many of us, our homes are the biggest financial investment we will make during our lifetime. That’s why it’s crucial to spend some time each year thoroughly checking your home for needed repairs, updates and safety....

Read More

When purchasing a home, many people ask whether the house is located in a flood zone. If it is, this often means the buyer will need to get additional coverage to protect against potential flood damage. If your home isn’...

Read More

If you have ever rented a place of your own, with a roommate or even paid rent to a friend, family member or significant other in their own home, you should probably obtain a renter’s insurance policy. Some clients don’...

Read More

According to the U.S. Administration on Aging, 70 percent of people over the age of 65 will require long-term care. Paying for long-term care can financially impact families, of which 65 million Americans have relied on...

Read More

If you’re considering upgrading your home this spring or summer, be sure to let Lang Insurance know. There are lots of reason people want to update their home. Whether it’s to add value to your property or to give it an...

Read More

Our years are never guaranteed to us, and for that reason, it’s crucial to be prepared in the event of the death of a loved one. Buying life insurance is one of the most important ways of preparing for such an event to...

Read More

Accidents happen, but when they do, are you prepared? First and foremost, call 911 to report the accident if you’re able to do so. Regardless of who is at fault, it’s important to get the police and medical technicians...

Read More

A personal umbrella policy is designed to protect you from major claims and lawsuits so that you can protect your assets. When accidents happen, lawsuits might follow. A personal umbrella policy works with your existing...

Read More

Most of you already know that packaging your home and auto insurance is a popular way to save money on your insurance premiums. Did you know there are other ways to save on premiums? Here are a few tips that could...

Read More

With today being the first day of winter, we thought it would be a good time share with our readers some ways that they can protect their property. So far, we have been lucky and haven’t had to deal with harsh snow or...

Read More

As stores become more and more crowded over the holidays, online shopping is an increasingly more attractive way to shop. You can shop for gifts from the comfort of your home or office and have them delivered to your...

Read More

Something often overlooked when constructing a new home or worksite is that during the construction phase, a building is most susceptible to fire. In a published report by the National Fire Protection Association (NFPA),...

Read More

By Christopher Barger I recently had a new roof put on my house. Before construction work could begin, there was the job of negotiating the terms of the project. After I accepted the winning bid, the contractor sent...

Read More

By Cincinnati Life Building or remodeling a home or business is an exciting time, filled with many decisions. One consideration that’s easy to overlook is adequate fire protection. During construction or renovation,...

Read More

By Dane Albright What traits define a key employee? Key employees may be highly paid, responsible for management decisions, engender a special rapport with customers and creditors or produce a significant impact on...

Read More

By Cincinnati Life You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be...

Read More

By Cincinnati LifeImagine paying insurance premiums for 20 years without a claim, and then getting back all of those premium dollars. If that sounds too good to be true, take a look at return-of-premium (ROP) term life...

Read More

By Cincinnati Life With so many options available for life insurance, some people struggle with their decisions and opt to ... do nothing. But what if one policy made their choice easy? Guaranteed whole life insurance...

Read More

By Life Happens Think of your life as a series of stages: youth, adulthood, parenthood, maturity. Each stage has its own loves, its own rewards – and its own reasons to purchase life insurance. As you reach different...

Read More

By Cincinnati LifeOnce you have decided to purchase life insurance, the next question to answer is how much to purchase. Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase...

Read More

By Cincinnati Personal LinesIf your travel plans include use of a rental car, a little knowledge about auto insurance could preserve your peace of mind and save you money. Before you rent, consult with your insurance...

Read More

By Matthew CluxtonJewelry and watches have a strong appeal to many people. They can represent sentiment, personal adornment, private assets, family heirlooms and collectible works of art. Because of their unique value,...

Read More

By Safeco Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life...

Read More

By John FisherAlmost everyone procrastinates from time to time, but putting off attention to safety hazards can be disastrous for a business or organization. To protect your customers and yourself, immediately attend to...

Read More

By Cincinnati LifeMost business owners know they need one; however, I still meet with business owners weekly who do not have a formal business continuation plan in place. Owners can be most prepared for the futures of...

Read More