from Consultative Insurance Group
Call us today at
(888) 398-5718

In This Issue:
not up to par?

Community Updates

Asparagus and Hazelnut Salad
(Food Babe)

Insurance "Street Legal" limits

Business Tidbits

Employee of the

Is Your Diamond UNDER-insured?
Precious Gems, Gold and Silver: Five year old appraisal may not be good enough

Appraisals of jewelry and/or precious metals are valid for a limited amount of time, not for forever.  Keep an eye out on the silver and gold markets - when the value increases, then you may want to consider getting a more updated appraisal. The Insurance Institute of America recommends getting your jewelry appraised every two years, due to the fluctuations of the market. 

Featured Partners:
Local Resources for Jewelry Appraisals
Business Insurance Tip: 

Purchase General Liability Insurance

"General Liability Insurance protects your business and you, as business owner, against bodily injuries, and property damage. 

Note: Employees and owners are excluded for bodily injury.  To protect your employees from injuries, a workers compensation policy is necessary.


At Consultative Insurance Group, we offer a good night's sleep and the peace of mind you get after reviewing your insurance coverage with one of our knowledgeable account managers.

Insurance can be confusing...with us, insurance will be explained where you will understand the coverage you need at the price you deserve.


"For last year's words belong to last year's language and to next year's words await another voice.  And to make an end is to make a beginning."
~T.S. Eliot,
"Little Gidding"


Community Updates

November & December:

Many Thanks to our communities for participating in our local Food Drive! Our Ohio offices adopted local families within the community.

Thank you Vickie Williams & Rachel Simmerer for donating their hair to Pink Heart Fund and Locks of Love!

Upcoming Community Involvement
January - AgriBusiness - Support Farmers and local Farmers' Market
OH Farmers Market

February - American Heart Association -
Wear RED February 7th!
Warning Signs for Heart Attack or Stroke
Click Here to Donate

March - The Humane Society of the US
Pet's Inc.
Cuyahoga Dogs

April - MADD, Distracted Driving Awareness -
Join us April 6 from 2pm to 5pm - 5k walk in Columbia SC
at Saluda Shoals park - (or do a virtual walk in your state)

Come walk with us! - online entry - walk with our team:
 "Consult Us 4 Insurance" Columbia MADD Walk

For more information on how you can help, contact us on Facebook.

Asparagus and Hazelnut Salad

Here is a great combination of hazelnuts, steamed or grilled asparagus, and manchego (hard sheep's milk cheese). From our family table to yours...enjoy!

Click here for the recipe!
 Employee of the Year Award

Congratulations, Mariela, on exceeding your personal and agency goals!

Do you know what these numbers mean?


(Ohio recently changed as of December 22, 2013)

These are the minimum insurance limits for car insurance
aka "street legal." 

Let's break this down for you:
25: Stands for $25,000 and the maximum your policy will pay an injured person resulting from an at-fault accident.

50Stands for $50,000 and the maximum your policy will pay total for injured person(s) resulting from an at-fault accident.

25Stands for $25,000 and the maximum your policy will pay total for any property damage to another vehicle or object resulting from an at-fault accident.

Picture This:
While approaching a congested area and a traffic light with a yellow light, you speed up and the cars in front of you stop.  You rear-end the car in front of you (2000 Ford Taurus), pushing them into a truck (2008 Toyota Tundra), pushing them into a motorcycle (2005 Harley Davidson).  The EMS is arriving to transport the injured to the hospital. 

You carry the state's minimum auto coverage: $25,000 per person per injuries
$50,000 per accident, injuries
$25,000 per accident, property damage

Are you going to have enough insurance to cover the injuries and damage to the cars?

At Consultative Insurance Group,
our answer to the question:
"How much insurance is enough?"
is this:
"As much as you can afford."