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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Thursday, September 16, 2021

Working as liaisons between the insurance companies and our clients, we often receive similar questions. One of those frequent questions is "Why did my insurance go up?" While this seems like a fairly easy response, it is often one...

 

Thursday, September 9, 2021

I've been in the insurance field for a long time -- since 1992 officially after graduating from college. Life and its happenings can and often do, make changes within the insurance industry. About ten years ago, before entering into...

 

Thursday, August 26, 2021

Not all insurance companies or agencies are alike. While it is true that we offer contracts of protection for you and your family, each insurance agency may be able to shed some light on benefits, discounts, new coverage, and even...

 

Monday, August 23, 2021

There is nothing more irritating than coming home from vacation to a cabinet full of ants. Well, so I thought. Two more days later, I opened up a cabinet and was greeted by a mass swarming of ants. Then under our kitchen sink. Then we...

 

Thursday, August 19, 2021

If you have your own insurance policy, you pay a premium. Some pay more, others pay less. There are a few factors that determine your cost of insurance -- let's look at a few more closely. What You Drive The size and type of the...

 

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Monday, August 16, 2021

Traveling is just the best! The explorations, the adventure, the planning, the revival of spirit, the making of memories. While for some it comes around multiple times a year, and others once. No matter what, it is something to look...

 

Monday, August 9, 2021

A couple of months ago, I experienced a leak from my kitchen sink. Unknowingly, for two weeks the drain pipe from the sink disconnected and every dish washing went down into the crawl space of our home. Would this be covered under our...

 

Monday, August 2, 2021

Did you know that National Watermelon Day occurs annually on August 3rd? They say you learn something new everyday - and this was it for me! Here are some tid-bits about the favored summertime fruit: Originated from southern Africa It...

 

Thursday, July 29, 2021

As summer is winding down, our team has a few suggestions if you are planning on squeezing in a few days on vacation. Vacation Activity Suggestions What is your/are your favorite things to do while on vacation: Victoria – scuba...

 

Monday, July 26, 2021

Growing up in the Southeast of the United States, there was not a whole lot of topics around earthquakes. Matter-of-fact, I do not recall personally experiencing an earthquake until February 14, 2014 after 10:00pm. There was a loud...

 

Thursday, July 22, 2021

Our dog attends doggie daycare one day a week, on a regular basis. Recently, after a doggie daycare visit to one kennel and a weekend boarding at another, our dog showed signs of unusual behavior. We monitored her -- the drinking water...

 

Monday, July 19, 2021

Technology is amazing. Just think of all the really cool amazing things that have come about due to technology: prosthetic implants to replace lost limbs, remote controlled/programed agricultural tractors and DOT equipment,...

 

Thursday, July 15, 2021

A few years ago, I had the unfortunate task of researching for a friend, whether or not there was coverage on a claim. This involved locating the home insurance policy details, and browsing through the exclusions to see if there might...

 

Monday, July 12, 2021

I live in the country and it is not uncommon to meet an ATV or UTV when traveling on a county road. In the past two weeks alone, traveling on a small country tar and gravel roadway, I met an ATV with a single driver traveling an unsafe...

 

Thursday, July 8, 2021

With 2020 keeping many of us at home, more incidents and accidents occured, and insurance companies paid more property and liability home insurance claims. COVID-19 also prevented many businesses from operating at full capacity, thus...

 

Monday, June 28, 2021

Summer is finally here and with it comes the decision of destination. Will you choose to stay-cation at home, climb mountains or settle down basking in the warm sunshine of the beach. Do You Identify As A Beach Person? Here are a few...

 

Thursday, June 17, 2021

Life insurance can be a helpful resource in planning for ones family and future. But which kind is right for you? There are many kinds - Whole, Term, Universal, Guaranteed; and some even require special licensing by your insurance...

 

Thursday, June 10, 2021

As insurance agents, we find we can have interesting conversations with our clients, and we try to help educate and/or clarify their concerns to the best of our ability. As in previous blogs, we have addressed questions clients have...

 

Monday, June 7, 2021

Many times when quoting a new client with car insurance, we are told to quote “just the minimum” or “street legal.” With many TV and radio commercials preaching the state minimum and saving money, people buy...

 

Thursday, June 3, 2021

Golf carts are pretty convenient– they make it super easy to zip around the golf course, the neighborhood, the beach, while on vacation, or even motoring around in your own yard. No drivers license is required, there usually are...

 

Monday, May 31, 2021

Today is Memorial Day, and it’s not all about having a vacation day to celebrate with picnics and bbq’s with family and friends. There is a history to both days--while they both involve our military, they give celebration,...

 

Thursday, May 27, 2021

Insurance is designed to protect you for the unexpected. However, insurance carriers prefer a level of predictability in the risks they insure. While they will not pay claims on loss that you know will happen, like wear and tear, they...

 

Monday, May 24, 2021

While the answer to this question may vary per state, the basic definition of an underinsured motorist is this: A person who carries insurance on their vehicle, but may not carry enough insurance protection to take care of all injuries...

 

Thursday, May 20, 2021

In The Insurance World An Umbrella policy is an affordable way to protect yourself if someone sues you for more than what is covered by your basic policy. The Basics A personal and/or a commercial umbrella is designed to extend...

 

Monday, May 17, 2021

In the world of insurance there are a few forms of deductibles you will want to be familiar with (and probably are). What is a deductible? Simply put, it is your financial responsibility -- your "out-of-pocket" good faith money --...

 

Thursday, May 13, 2021

Being insurance agents, we occasionally get those unique situational questions that even cause us to say "I am not sure, but let me look into it and get back to you." Home Insurance Typically a home insurance contract does include...

 

Monday, May 10, 2021

I receive many inquiries about motorcycle insurance, particularly with my being an insurance agent as well as a bike rider! Here are just a few of the most common questions I receive. Owning versus Financed When you finance a...

 

Thursday, May 6, 2021

It is no secret that a global pandemic hit the economy of the United States hard. The Effect According to the Small Business Association, job creation tanked in the spring of 2020, rebounded slightly over the summer, and stayed...

 

Monday, May 3, 2021

Unless you are a meteorologist, this may not be one of your favorite spring weather moments: A tornado watch. When I was a child, "The Wizard of Oz" was always televised around this time of year; and while the tornado portion terrified...

 

Thursday, April 29, 2021

During the pandemic, pay-per-mile car insurance became quite popular with many people working from home. Less Is More This car insurance program allows you the opportunity to pay for insurance protection for the number of miles you...

 

Monday, April 26, 2021

When it comes to insurance, many people need to know what is and what is not covered. When speaking with our clients about what is and what is not covered, the best term we have found to describe what is usually covered is "Sudden...

 

Thursday, April 22, 2021

The core part of a homeowners insurance policy is the coverage that insures the home itself -- your dwelling coverage. When you file a dwelling coverage claim, you are typically reimbursed at the home's replacement cost, meaning your...

 

Monday, April 19, 2021

I've always enjoyed a good jigsaw puzzle -- in real life, or online. I was taught the strategy by my Mom and other family members, and have hopes of passing down this enjoyment to my own family one day! It's Got To Be Interesting I...

 

Thursday, April 15, 2021

Who needs a home inventory? Anyone who owns or rents a residence. All residences are at risk for fire, flood, weather disaster and theft. Even insurance agents can experience a fire or disaster --- just ask me about my kitchen fire!...

 

Monday, April 12, 2021

For anyone who has ever bought or even thought about buying life insurance, one question seems to pop up early and often: Should I buy Term or Permanent aka Whole Life? It is a legitimate question but one that too often doesn’t...

 

Thursday, April 8, 2021

Overexterted. Fog brain. Typing mispelled words. Caffeine not doing its job. Forming complete sentences challenging. If any of these statements sound familiar, welcome to my world Monday. Seriously made for a trying day filled with...

 

Monday, April 5, 2021

Liability is a fancy word for stating who is at fault, particularly when it comes to the law. With insurance, liability is a coverage which applies for both property insurance and also auto insurance. Home Insurance Liability Auto...

 

Thursday, April 1, 2021

In the insurance world there are two types of insurance agents: Exclusive and Independent. Exclusive AgentExclusive or Captive agents, are contracted to sell policies for a single insurance company. However, some exclusive agents do...

 

Saturday, March 27, 2021

Nice weather + Open Road = MOTORCYCLE Winter to Spring I know with spring finally here, we are ready to jump on and go. (Its been a long winter.) But before you do, think about this: Yeah, it’s been a long winter for you, but...

 

Thursday, March 25, 2021

Ask 20 people what you should be eating and I can almost guarantee, you would get 20 different answers. Have you ever noticed how two people follow the same diet or workout plan and one person gets great results and the other one...

 

Monday, March 22, 2021

As an avid golfer, I have been asked this question many times. At least they are asking me what to do before a claim has occurred! The Real Question Will my current homeowners, tenants or condo policy cover my golf clubs? The Personal...

 

Wednesday, March 17, 2021

St. Patrick's Day or St. Paddy's Day (please do not spell it "Patty's") has become a festive day full of parades, bagpipes, and of course, green beer. It is a day where we honor the memory of St. Patrick, the patron Saint of Ireland,...

 

Monday, March 15, 2021

What encourages you in life? Is it family? Financial success? Job well done? Or is it more basic than that? Perhaps the right song at the right moment can motivate you to press on! For me, it can be as easy as reading a good...

 

Thursday, March 11, 2021

Health insurance, like auto insurance or home insurance is a way of protecting yourself and your family from paying the full cost of medical services. Virtually everyone needs health insurance. Types of Health Insurance There are...

 

Monday, March 8, 2021

Experience is Key Transportation Insurance. more specifically, Motor Truck Cargo Insurance, are not fields where an agent should dabble without some expertise. The specific nuances in this class of insurance can potentially lead to...

 

Friday, March 5, 2021

Today is Employee Appreciation Day. There are some employees who work for companies, who may not feel appreciated or motivated. But that just is not the case at Consultative Insurance Group. Earlier this month we asked our team what...

 

Monday, March 1, 2021

Winter is nearing spring with every passing day, and with that comes the itch to emerge and enjoy the outdoors. Camping brings about the American spirit with it's red and white checked pattern picnic table covering, smores, bonfires,...

 

Thursday, February 25, 2021

Annual insurance reviews are necessary to keep your insurance policies' up-to-date and to minimize insurance gaps. Schedule Personal Property New Appraisals. With any collectibles insured under a scheduled personal property policy, as...

 

Monday, February 22, 2021

Many people have gaps in their insurance coverage and don't ever realize it. When we started working with new clients, we often see these kinds of gaps. Common Home Insurance Gaps Short on Replacement Value. Did you know that 60% of...

 

Thursday, February 18, 2021

Where enough water gathers, any property can experience flooding. While that is a broad statement to make, there is truth to it. If your home or business is located in a low to moderate flooding area, you may experience less frequent...

 

Monday, February 15, 2021

It seems there is a "new" scam in town - Unemployment Fraud. Close To Home We had two employees in our agency who received a letter in the mail from the Ohio Department of Unemployment giving them a temporary password, followed by a...

 

Thursday, February 11, 2021

To keep your bottom line in check, understand policy pricing variables. The price you pay for your homeowner's insurance can vary by hundreds of dollars, depending on the size of your house sand your insurance company. From shopping...

 

Monday, February 8, 2021

In the summertime it is easier to be inspired to go outside and give your car or truck a good rinsing or scrubbing to wash away all the dirt and grime from the roads we travel. But it is just as important to wash your car or truck in...

 

Thursday, February 4, 2021

Today most of our goods are transported to us via truckers. This is a huge industry in the United States and the insurance industry has developed a specialized type of coverage for this industry. The Motor Carrier Coverage form is an...

 

Monday, February 1, 2021

As we leave January behind, we anticipate spring with its warmer temperatures and flowers. On February 2, 2021, we will learn our fate. Will the groundhog see his shadow, get scared and return to his burrow or will he not see his...

 

Thursday, January 28, 2021

Since COVID-19 many of us have not had to rent a car. So, while things are slow, I wanted to give you an overview of Collision Damage Waivers and the whole rental car experience. Collision Damage Waiver When you rented a car last, did...

 

Monday, January 25, 2021

What is an umbrella? You may be familiar with the device you use to protect you against rain or sun. Keep the image of this umbrella in mind as we continue forward. An insurance umbrella provides coverage above your homeowner insurance...

 

Thursday, January 21, 2021

The location of your vehicle is an important feature on your car insurance policy. It is comparable to what driver(s) reside in your home, who is driving the car and their driving history, the type and age of the car as well as the...

 

Monday, January 18, 2021

Media Release, For Release on Receipt. Herb Decuers, CIC, of Consultative Insurance Group, has been recognized by The Society of Certified Insurance Counselors (CIC) for his 45 years of committed professional leadership and advanced...

 

Thursday, January 14, 2021

Emergency situations can come up when you least expect them, that's why it is important to be prepared! Icy, snowy or wet roads could put your car into an embankment. Mechanical car issues, like overheating, dead battery, or even out...

 

Monday, January 11, 2021

Real-life claims situations: fires, flooding, break-ins, and the like. If the real-life claims situation effects us, that is not the time to wonder if you have the insurance protection, or have no-insurance regrets. Many apartment...

 

Thursday, January 7, 2021

It's Cold Outside As temperatures plummet, it is more important than ever to take care of exposed pipes inside and outside your home. With water freezing at 32 degrees Fahrenheit, taking the time to add a bit of insultation on the...

 

Monday, January 4, 2021

Here are 10 mistakes not to make and simple solutions to get in better shape in 2021: Before doing a useless detox cure, start by not drinking 2 bottles of wine a week just to see! Before hopping on a Keto train and cutting your carbs...

 

Thursday, December 31, 2020

This year has been quite the eventful year with its obvious changes from wearing masks, working from home, and to social distancing. How we anticipate the coming year: 2021! Who would have ever fathomed a virus would have shut our...

 

Monday, December 28, 2020

What are Disability Insurance Riders and Which Are Most Common? Just like cars have a standard model, disability insurance has a base policy. Just like cars have options that can be added to the standard model, so does disability...

 

Thursday, December 24, 2020

Resurrected Back in 2014, one of our team members, Susan Jones, purchased an Elf on a Shelf for her kids. The Elf learned a valuable lesson about fire safety.

 

Monday, December 21, 2020

We've taken the top 20 most recent testimonials received from our clients and shared with you here. A good majority of our clients have been referred to contact us for their insurance because a family member or a friend suggested they...

 

Thursday, December 17, 2020

We Hire The Best At Consultative Insurance Group, we believe in hiring experienced risk management advisors that genuinely care about our clients and live this mantra: “No one will ever perform a better human service than to...

 

Monday, December 14, 2020

New Car Fever Purchasing a new or used car can be exciting and fun, but don't forget to contact your insurance agent before you drove off the lot! Many times, when purchasing a new or used car, clients ask how many days can they wait...

 

Monday, December 7, 2020

Consultative Insurance Group is offering suggestions to replace alcoholic beverages with fun mocktails during the holiday season. Drink responsibly. Have a designated driver to get you home safe!

 

Thursday, December 3, 2020

The statistics are in and the results staggering, particularly of those who could benefit from having Disability Insurance protection for themselves, their families, or their business while they are out of work.

 

Monday, November 30, 2020

Ever wish you could learn more about our agency through our clients? Well, great news -- you can! Visit our Insurance Testimonials page or check out a few of our valued clients here! Wanda Austin "I have always received excellent...

 

Thursday, November 26, 2020

We all spend time thinking about the past or worrying about the future. Spending too much time thinking about either can cause anxiety and stress, which can negatively impact your health. Be In The Now Mindfulness is paying attention...

 

Monday, November 23, 2020

Our insurance team is made up of many talented and caring people. Over the next few weeks, we are interviewing a few team members to help you get to know your insurance agency. Visit our website to learn more about our team.

 

Thursday, November 19, 2020

Consultative Insurance Group's mission is to provide personal and commercial insurance products and services, utilizing a consultative process to ensure our clients get the maximum protection available for their insurance dollar. We...

 

Monday, November 16, 2020

Ever just look at your stuffed closet or an overwhelmed junk drawer and think to yourself "I have too much stuff?" If yes, try these 3 simple steps to help declutter every part of your home until it is a calming, organized space.

 

Thursday, November 12, 2020

Consultative Insurance Group's team member, Kristine Scoon , is an advocate for lung cancer awareness and shares her experience with us.

 

Monday, November 9, 2020

Getting a pet for yourself and your family can be one of life's wonderful experiences -- with kids growing up with pets. In addition to starting off with the basics of care, include Pet Insurance for the life of your pet.

 

Thursday, November 5, 2020

The love of dogs started for our agency back in August 2015, when we heard about a unique opportunity to support our local law enforcement K9s. Up until that time period, we assumed the police departments were the only ones who were...

 

Thursday, October 29, 2020

I enjoyed a good movie. The trailers of upcoming movies lends its excitement and entices us to find our way to local theaters---"Come! Experience!" With the onset of COVID-19, that halted our migrating to the theaters and brought the...

 

Monday, October 26, 2020

Alexander Tsyaston "Professional, knowledgeable, efficient." Daniel Johnson "Never had an issue. Two claims in 20 years with Nationwide. Always took care of the problem." Thomas Brilla "Friendly service and always there when needed....

 

Thursday, October 22, 2020

I do not know if you are like me, but I seriously enjoy daydreaming about the flowers that will eventually grow in my garden. Just walking through a well-stocked greenhouse or browsing through a bountiful flora catalog, or a good...

 

Monday, October 19, 2020

There is an old saying "Where there's a will, there's a way" and I know the context it is meant to be in, but that's not the direction we are going today. Today, we are going to look into what happens to your stuff if you die without...

 

Thursday, October 15, 2020

Consultative Insurance Group has fresh new companies with more options than ever before. Call today: (440) 234-0305 or (803) 772-6969. We will help!

 

Monday, October 12, 2020

At Consultative Insurance Group, we like to do business with those who do business with us. Our agency is built on the foundation of relationships with our customers and business partners. Learn how to become one today: (440) 235-1442.

 

Thursday, October 8, 2020

Why Have Disability Insurance? Without a paycheck, 7 in 10 working Americans say they could not make it a month before financial difficulties would set in, and 1 in 4 would have problems immediately, according to a Life Happens survey...

 

Tuesday, October 6, 2020

Our Agribusiness clients, Melissa and her husband Josh, own and run Fraylick Farms in Travelers Rest, South Carolina, where they raise specialty cut flowers and pasture raised pork. You will not find more beautiful flowers than...

 

Thursday, October 1, 2020

Rodolfo Novesteras "Our agent is always approachable, and helps with our inquiries. The company is reliable." John Chester Jr. "I like Ron and we have never had a problem." Christopher Delly "Susan was professional, knowledgeable and...

 

Monday, September 28, 2020

Personal Umbrella -- are you guilty of thinking it is only for the wealthy? If so, you couldn't be farther from the truth. What is a Personal Umbrella Is an affordable way to protect yourselves if someone sues you for more than what is...

 

Thursday, September 17, 2020

Anna Schieferle "Kathe DiMatteo is excellent! She has been my agent for 20 years." Judith Mauer "Everyone is so helpful." Roberto Caraballo "Always have good experiences. Very friendly and informative." Michael Allen "Knowledgeable,...

 

Monday, September 14, 2020

When looking to welcome a new dog into your home, or caring for a family member's for friend's dog on your property, be aware there are some breeds of dogs which may be excluded under your homeowner's policy. These animals listed...

 

Thursday, August 27, 2020

Let's hit the road Taking a vacation with your travel trailer gives you the option to carry the comforts of home with you as you explore the many national, state, and local parks available. With the pandemic of 2020, it is safe to say...

 

Monday, August 24, 2020

You've heard our side, now check out what our client's think about us! Wayne Powers Sr. "I have been a customer of Consultative Insurance Group for over 32 years. I have never had any kind of issue with this organization." Ruth...

 

Thursday, August 13, 2020

If you had to or did name your pet after a fictional character...what was it? Herb: Riley, last Springer, he enjoyed the "life of Riley." Sue: Blue, after the adorable dog on one of my children's favorite shows: "Blue's Clues."

 

Tuesday, August 11, 2020

One of the most common property insurance in today's market is Renters Insurance. A few years ago renters insurance was optional, but now has become one of the requirements by landlords or property management companies before the...

 

Monday, July 27, 2020

You may be familiar with the usual insurance coverage - liability, property coverage on your home and stuff, and car insurance, but what about the optional coverage options available for personal and even commercial insurance? Here are...

 

Thursday, July 23, 2020

Our health is important -- as we age, we find this to be true! When at work we may find ourselves so focused on work we forget ourselves, working at a desk for hours at a time before getting up from our chair. Oh and then the groans...

 

Monday, July 20, 2020

You have your new wheels and are looking for insurance. What information is needed for the insurance company to offer a motorcycle quote? Year Make Model Vehicle Identification Number CC size of the engine Year purchased What will the...

 

Thursday, July 16, 2020

It only takes a moment to brighten up someone's day. It could be a smile, a friendly wave of "hello" or a simply being there. With COVID-19 lingering, some of these simple gestures may be a bit challenging with social distancing and...

 

Monday, July 13, 2020

You have heard the saying: if a tree falls in the woods and no one was there to hear it, did it really make a sound? When it comes to trees falling in your neighborhood, many times there is someone around to hear it -- particularly if...

 

Thursday, July 9, 2020

The older I grow, the more family history means to me. Where did I come from? Who am I related to? What is their story? Pictures are a huge part in weaving the stories and families together. Recently, I've had the great pleasure of...

 

Monday, July 6, 2020

It is a rite of passage when teenagers get their driver's license! The thought of being able to travel independently of their parents is equivalent to freedom! When this time comes, parents and/or guardians of these teenagers will want...

 

Thursday, July 2, 2020

Emojis Who would have ever thought we would be corresponding with pictures to share our emotions versus using words -- and it is not part of a board game! History Here is a little emoji history for you. 1982 - Scott Fahlman sent an...

 

Monday, June 29, 2020

Let’s talk about the elephant in the room: Identity Theft. What is Identity Theft? Identifty theft is simply the illegal use of someone’s personal information in order to obtain money or credit. It happens A few years back,...

 

Thursday, June 25, 2020

We all have our daily rituals, particularly during a work week. I start my day with exercise, followed by time with Jesus aka Bible and devotional time. Others may start their day with a warm beverage and watching the morning news,...

 

Tuesday, June 23, 2020

Home Property Inventory The simple definition of a home property inventory is this: it is a detailed list of all items inside your home and outbuildings that you own. How to create an inventory These are a few ways in which you can...

 

Thursday, June 18, 2020

For fun, we asked a few selected members of our team: What fictional character would be perfect at your job? We got some entertaining responses! Check them out! Mariela - Ironman Susan - Genie Kristina - Dwight Schrute Mary - Spider...

 

Tuesday, June 16, 2020

General liability is a commercial insurance product which offers protection for the business for injuries to a person or persons from defective products, wrongful death or even slip and fall accidents and damage to another's property....

 

Thursday, June 11, 2020

Have you ever considered -- if you could work with anyone -- living or deceased-- who would you pick and why? We presented our team with this question and the answers are quite astounding! Vickie Williams: "I think Julia Childs would...

 

Monday, June 8, 2020

COW OUT Where I am from, hearing the words “Your cows are out” is fairly common. I live in a farming community surrounded with row crops, poultry, and you guessed it, cattle. If you have ever owned cattle or known a farmer...

 

Thursday, June 4, 2020

One of these things is not like the other The differences between 2019 and 2020 have been vast – I mean, who would have ever dreamed about the challenges we have faced with 2020! We have learned some interesting things for sure!...

 

Monday, June 1, 2020

It's not about professionalism, training, or years of experience. It's about human nature. Mistakes happen to the best of us. Is there an insurance coverage that protects mistakes? Errors and Omissions Insurance is a form of...

 

Thursday, May 28, 2020

Nature of the Business There are many kinds of contractors-- with special skills which demand unique insurance needs. Most understand what they need, particularly if they are sub-contractors, per instructions from a General Contractor...

 

Monday, May 25, 2020

Whistle while you work….what’s your favorite tune? The seven dwarves in Snow White enjoyed a bit of music while they worked, and it worked well for them! Our team shares their top music genres: Vickie M – Talk Radio...

 

Thursday, May 21, 2020

Ever looked at a calendar and noticed the preset holidays, special religious dates, and the phases of the moon and wondered how many other special days are there? Maybe it's just me! I have checked it out for you -- and believe you me,...

 

Monday, May 18, 2020

Do you own a “Classic” Car? The age of most of the classic cars between 20 years and 40 years of age. The integrity of the car must be original to the year – any restoration must be of the period of the manufactured...

 

Thursday, May 14, 2020

"What do you want to be when you grow up?" This question starts when we are young and playing make-believe. Some of us had dreams of being a school teacher, an astronaut, a fire fighter, a doctor/nurse, or even a cowboy. Our desires of...

 

Monday, May 11, 2020

Recently I heard about yet another waterfall accident, where not one, but two people were killed -- one was the victim, and the other a rescuer. It weighed heavy on my heart for the family and friends -- sad and so unnecessary. I love...

 

Thursday, May 7, 2020

You may be familiar with our agency's mission statement. If not, let's take a moment to share: Consultative Insurance Group's Mission Statement: "We provide personal and commercial insurance products and services, utilizing a...

 

Monday, May 4, 2020

In most states, car insurance is required to drive on public roads, particularly liability insurance. If you are just starting out, it can be confusing on what coverage you need and what coverage you may not need. Having a local...

 

Monday, April 27, 2020

Pick 3 more team members - are we done yet? 3 Questions We asked our team 3 questions about working remotely: 1) What challenges have you had working from home? 2) What do you enjoy about working remotely? 3) What do you miss about the...

 

Thursday, April 23, 2020

https://www.youtube.com/watch?v=Oney7kOQTfk Kevin Brown's crisis time

 

Monday, April 20, 2020

pick 3 more team members 3 Questions We asked our team 3 questions about working remotely: 1) What challenges have you had working from home? 2) What do you enjoy about working remotely? 3) What do you miss about the office? Over the...

 

Thursday, April 16, 2020

Daily Attacks Social media, online purchase transactions, and technology play key roles in how most businesses operate and the way they reach out to their prospective customers. However, you cannot fully prevent data loss and data...

 

Monday, April 13, 2020

pick 3 more team members to got 3 Questions We asked our team 3 questions about working remotely: 1) What challenges have you had working from home? 2) What do you enjoy about working remotely? 3) What do you miss about the office?...

 

Thursday, April 9, 2020

We are nearly a month into this pandemic called Coronavirus or COVID-19, and our lives have changed significantly. There are people who have to be on the frontline, who cannot stay at home, who have families, and may be dealing with...

 

Monday, April 6, 2020

pick 3 more team members 3 Questions We asked our team 3 questions about working remotely: 1) What challenges have you had working from home? 2) What do you enjoy about working remotely? 3) What do you miss about the office? Over the...

 

Thursday, April 2, 2020

Things are crazy now. We all have something we'd rather be doing. We all have somewhere we'd rather be. But there are many, many people who have it worse than us, so we endure. We make do. We set up home offices and homeschool...

 

Monday, March 30, 2020

As you probably know by now, COVID-19 has provided opportunities to challenge our industry and many others to think outside the box. We are open for business At Consultative Insurance Group, our entire team has been working remotely...

 

Thursday, March 19, 2020

Coronavirus (COVID-19) The Coronavirus (COVID-19) has taken the world by storm and is not lessening its grip yet. Our world as we know it has definitely slowed down and nearly been halted due to this virus. The media outlets have...

 

Monday, March 16, 2020

The Coronavirus (COVID-19) has taken the world by storm and is not lessening its grip yet. Our world as we know it has definitely slowed down and nearly been halted due to this virus. The media outlets have definitely been keeping...

 

Monday, March 16, 2020

As the temperature gets warmer, and the sun shines brighter, comes the itch to spring clean your house. Out with the old winter funk and in with the new warm scents of spring! Enjoy our 5 tips to spring clean your house. 1) Open the...

 

Thursday, March 12, 2020

As an employee, being employed with a company who offers health benefits, can be a great advantage to you and your family! Some of the advantages: By offering Group Health Benefits, an employer may attract a higher caliber of talent...

 

Monday, February 24, 2020

About three years ago, I was introduced to the Dave Ramsey way of getting out of debt. You may be familiar with this technique, or have gone through the Dave Ramsey's Financial Peace University. I'd heard of him, but had never put much...

 

Thursday, February 20, 2020

Do not judge a book by its cover Oftentimes, we find ourselves looking at others as though they have the secrets to a happy life figured out. The truth is, they may not. What you might be seeing is someone who figured out their purpose...

 

Thursday, February 6, 2020

Let's have a little chat about an optional auto insurance coverage: Underinsured Motorist. That's right -- I said "Optional." Another words, the State does not require this coverage to drive on the highway. It may not be mandatory, but...

 

Monday, February 3, 2020

Recycling is good for the environment. My mom is the queen of recycling -- she knows what the local recycling center accepts and what they do not -- and has several collection bins in her home to divide out before depositing at the...

 

Thursday, January 23, 2020

POP QUIZ! Any item left in your car is covered by your car insurance policy. True or False The answer could be true or false, depending on the type of insurance protection you have at the time of the incident. Let's say for example,...

 

Monday, January 20, 2020

Recently I traveled to our office's annual kickoff meeting in Cleveland, OH. Outside of the drastic weather change -- from sunny and 71 degrees to snowing/windy and 32 degrees -- total shock to the system! Talk about reenacting Renee...

 

Thursday, January 9, 2020

My driving record is good, why should it matter what driving record my drivers have? If there’s one thing Henry Ford made a bare necessity in America it was the automobile. After food, shelter and clothing an automobile is the...

 

Thursday, January 2, 2020

I do not know about you, but quotes have always brought me encouragement, advice, and the motivation needed to press on. Here are a few of my favorites and a couple team member's favorites. "Things done by halves are never done right."...

 

Monday, December 30, 2019

Am I Covered? Nowadays, there is a lot going on in our world and sometimes we think we understand how we are protected by insurance until we are face to face with the dilemma, and then we hope we understood our insurance when we took...

 

Thursday, December 26, 2019

"Mom can I take the car?" The dreaded request heard by parents of teens all across the country. Your teen driver wanting to take the car for their first solo journey. In an instant the alarms start going off in your head. What if they...

 

Thursday, December 19, 2019

Reteaching myself to play the piano after 32 years When I was considerably younger, my parents made me take piano lessons. I had mixed emotions about it at the time, but endured 8 years of lessons before entering college. Initially, I...

 

Monday, December 16, 2019

'Tis the holiday season for craziness -- the hustling and bustling of people in shops, driving, crazy scheduling, family gatherings, cooking, baking, and finding the perfect gift to express your love to each and everyone on your...

 

Thursday, December 12, 2019

Distractions are a part of life -- welcome or unwelcome---can be constant. I'm going to share with you the top 5 distractions and how I deal with them to keep myself on track during work hours. Notifications from Cell Phone This is...

 

Monday, December 9, 2019

I’ve read articles on this topic and it seems kind of strange to believe you would have trouble recalling your life from the moment you were born. But there is a disconnect from birth to 4 or 5 years old. I guess it is possible...

 

Thursday, December 5, 2019

A few years ago, everyone was talking about their "bucket list." Honestly, I thought it was something new to the world --available online or in the nearest strip mall for sale! But apparently people get excited when they think about...

 

Monday, December 2, 2019

Vickie Williams joined our agency in 1999 and specializes in Business, Personal & Life Insurance. What parts of your job do you find most challenging?Vickie: Finding the right coverage for each individual client.What parts of your job...

 

Thursday, November 28, 2019

A few years ago, I went on a binge of collecting and trying healthy recipes and found one to share with my family: Tofu Ice Cream. That's right - you read correctly - TOFU Ice Cream. I should have known from the start to not even try...

 

Sunday, November 24, 2019

On Friday, November 22nd, I went to see the "Mr. Roger's" movie "A Beautiful Day In The Neighborhood." I'd seen a couple of previews and it looked interesting -- that with the memories of watching the original series in the 70's -- I...

 

Thursday, November 21, 2019

Today I work for one of the top 25 insurance agencies in the United States in their Marketing and Compliance Department. It is safe to say, that I have come quite a ways in my insurance career -- one I had not even thought possible --...

 

Tuesday, November 12, 2019

(Shared with permission by Richard Lardie, Joe's father.) Living with Lardie: For a Pork Chop Events in the news reminded me of a few experiences I had in the summer of 1969. Racial tensions were high and everyone had their own...

 

Saturday, October 19, 2019

I recently read an interesting article which challenged me to determine if I am a beach baby or a mountain lover. They had some interesting concepts on how to determine personality characteristics based on whether one enjoys the beach...

 

Tuesday, October 1, 2019

Cheryle Waller: I think the best place to go view the fall leaves is Asheville, NC. The mountains turn colors and are such a wonder to behold. There are a lot of lookouts where you can pull your car over and just enjoy the beauty....

 

Tuesday, September 17, 2019

The fall season brings about thoughts of being outdoors, football, pumpkins, and apple picking! Fun facts about apples: Red Delicious is the most widely grown in the USA. Apples are the second most valuable fruit grown in the USA....

 

Tuesday, September 3, 2019

Today is National Skyscraper Day! On this day, we "unofficially" celebrate our fellow architects and engineers in their enduring spirit to build larger and more impactful buildings, which seem to scrape the very sky! Here are some fun...

 

Tuesday, August 20, 2019

Over the past four years, Consultative Insurance Group, Inc., has vested six local K9s in Ohio. 2015 - K9 Rico - Cleveland MetroParks/Ranger Barr (retired) 2015 - K9 Gunnar - Stark County/Officer Crock 2016 - K9 Chase - Cleveland...

 

Tuesday, August 6, 2019

A couple of weeks ago, a coworker, Bev Drake and her daughter, Laurie, found a tiny duckling in a parking lot. They looked around for the mother and found only broken eggs. They noticed the duckling had a bent foot, which may have...

 

Tuesday, July 23, 2019

Summer is a great time to get outside and take a bike ride alone or with friends. Check out these 5 tips to keep you safe! Safety First: If planning on taking out a bike for a ride, place a well-fitted helmet on your head. Helmets are...

 

Tuesday, July 9, 2019

The formula is quite simple: beautiful weather days, plus a body of water equals boaters, fishing and water fun. Most everyone likes to enjoy the freedom of a couple of hours on the water.

 

Tuesday, June 25, 2019

Fourth of July is just a round the corner and the country will celebrate it's freedom with food, family, friends, and fireworks! Before you light up the grill, consider these 6 tips for a safer firework experience. Adult Supervision....

 

Monday, April 22, 2019

Team member spotlight time! This month we are featuring Mariela Castillo Couch. One of her amazing traits is she is bilingual in Spanish and English, in addition to being an amazing asset to our agency. Say "Hello" to Mariela!

 

Friday, March 22, 2019

Team member spotlight time! This month we are featuring Mary Beth Jeffery. She has been with our agency for many years and is a valuable asset providing top of the line customer service to our personal lines clients. Say "Hello" to...

 

Friday, February 22, 2019

With over 23 years in the insurance industry, Tony Bester is able to help with your personal insurance needs in Ohio. Give Tony a call: 1-440-234-0305 ext 221. When not in the office, he enjoys fishing and camping. Say "Hello" to Tony!

 

Thursday, January 31, 2019

Consultative Insurance Group, Inc. offers an opportunity to its team members to pay $1.00 to wear jeans on Fridays during the year. At the beginning of the following year, the company matches the collected jeans donations, and donates...

 

Tuesday, January 22, 2019

Team member spotlight time! This month we are featuring Tammy Holton. She has been with our agency since 2015, and is Kathe DiMatteo's right hand gal. When she is not in the office, she enjoys crafting, spending time with family,...

 

Saturday, December 22, 2018

December Team Member Highlight: Kathe DiMatteo Kathe has been an agent with Nationwide Insurance for over 27 years, and she continued the agency legacy of excellence that her mother, Janet Tietje, started years before. Kathe continues...

 

Monday, December 17, 2018

Our Strongsville, OH office collected over 6 large garbage bags of new and gently used coats of all sizes to keep local Strongsville, OH kids warm this winter! #ConsultativeCares #Coatsforkids

 

Thursday, November 22, 2018

November Staff Highlight: This young lady is an asset by helping with the day to day. She is always willing to help and always has a welcoming smile. When not in the office, she enjoys spending time with family, camping and fishing....

 

Saturday, October 20, 2018

October Staff Highlight: Vickie McDonald Vickie is a behind-the-scenes vital part of our agency. She is an Ohio native and enjoys family time, travel, and gardening. She started with tus in 1987 in customer service and bookkeeping, and...

 

Saturday, September 22, 2018

South Carolina has experienced their share of hurricanes this year. One of the local schools, Carolina Forest, in the Myrtle Beach area, packed over 400 lunches for flood victims after Hurricane Florence passed through. One of our team...

 

Saturday, September 22, 2018

Say “Hello” to Maurica! Education/Experiences: Saluda High School graduate Mars Hill University graduate Nationwide Sales Training Organization graduate Joined the agency in 2001 from an insurance claims and commercial...

 

Wednesday, August 22, 2018

August Staff Highlight: Say “Hello” to Paul! This gentleman has been part of our team for 30 years and knows insurance! Reside in Ohio and considering changes on your insurance plan, give Paul a call: (440) 234-0305 x 218...

 

Saturday, August 4, 2018

At Consultative Insurance Group, Inc., we love our dogs and the opportunity to help protect one of our local K9 officers was a natural fit. We love hosting the K9 Dog Demo at the Olmsted Falls Heritage Days Festival each year to show...

 

Saturday, August 4, 2018

Consultative Insurance Group, Inc. through Vested Interest in K9s, Inc, has provided customized bullet and stab protection vests for five local K9s of The Cleveland MetroPark Rangers since 2015. 2018 K9 Creed 2017 K9 Tyson 2016 K9...

 

Sunday, July 22, 2018

A native of South Carolina, with an infectious smile and a “can-do” attitude, this person embraces and lives our agency motto. She is a Clemson University Alumni, and loves her Clemson Tiger Football. She started her own...

 

Sunday, July 8, 2018

One of our insurance team members, Mary, participated in the 2018 Fairview Hospital Toy Run, where over 700 motorcycle riders rode for a 15 mile ride. Proceeds benefited the Pediatric Emergency Room and Pediatric Unit at Fairview Hospita.

 

Friday, June 22, 2018

JUNE STAFF HIGHLIGHT: This young lady joined the Consultative Insurance Group family in 2014, and has extensive experience with Commercial Insurance. If you are looking for an associate who knows about business insurance, give Cheryle...

 

Saturday, June 2, 2018

Our annual Bark for Life - Olmsted Falls, OH dog walk representing Consultative Insurance Group! Always fun to meet members of the Olmsted Falls community (and their furry friends) and raise money for Cancer research and a cure!...

 

Tuesday, May 22, 2018

Most of you have seen this valued team member around from time to time. He enjoys traveling all over the United States, having his photo taken, and meeting new people. In his words: “…insurance is not about money....

 

Sunday, April 22, 2018

April Staff Highlight: Bev Drake The sweet voice that answers your calls is our Bev. She is one in a million!When she is not at the office assisting clients, she enjoys crocheting, cooking and baking. Say “Hello” to Bev!

 

Saturday, April 14, 2018

Consultative Insurance Group, Inc. -- with the culinary skills of Kenny at Suds Maguire's Bar and Grill -- provided and served box lunches to 106 hard working participants of Baldwin-Wallace University's annual "Building Walls" -...

 

Sunday, April 8, 2018

Consultative Insurance Group, Inc. participated in multi-events in 2018 sponsored by the Employment Collaborative of Cuyahoga County in Ohio, through their Diversity Program. The Diversity program was designed to help educate...

 

Thursday, March 22, 2018

MARCH STAFF HIGHLIGHT: JOE LARDIE Joe – this guy does it all – Business, Farm, and Personal insurance, Irish dance, golfing, involved in the Irish community and family man. Looking for a second opinion for your OH...

 
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