Ohio Commercial Insurance: Most Common Workers Comp Claims in Ohio

Millions of dollars are paid out in workers’ compensation claims every year through commercial insurance policies. In Ohio, workers’ compensation claims are frequent as the labor force manages a lot of physical labor. 

At Advantage Insurance Network, we help Cincinnati, OH business owners get the workers’ compensation insurance they need so that their employees are protected from financial losses in the event of an accident at work.

These are the most common workers’ comp claims in Ohio that we see.


Strains such as a repetitive strain injury or an injury after lifting or moving an object are the most common workers’ compensation claims. This is an injury that occurs when a muscle or tendon is stretched beyond its limit. Some experts say that strains account for as much as 30 percent of workers’ compensation claims. Strains can prevent workers from working as they prevent walking, moving, and lifting.


A contusion is a bump or a bruise that can happen when the body bumps into something. We see head contusions happen frequently, but a contusion can happen anywhere on the body. It is a serious bruise that creates swelling and damage. These will prevent work due to pain and loss of use. 


A laceration is a cut that can occur from an accident at work. You could have an accident with a stapler or a piece of machinery. Lacerations that lead to work loss typically involve stitches that take time to heal until you can use that body part normally again. This could take weeks, and for some, even months if there are complications.

Get a Quote

If you are concerned about the potential for injury at work and want to improve your existing workers’ compensation coverage, get a quote for your workers’ comp policy. At Advantage Insurance Network, we help Ohio business owners do just that. Call us for a quote today.

What Damage Can a Flood Do to Your Home?

Floods can cause serious damage to your home. Even if you do not live in a high-risk flood zone, your home could experience serious flooding. This is why flood insurance is so important, no matter where you live.

Advantage Insurance Network, which serves Cincinnati, OH, understands the importance of flood insurance. These are some of the common ways homes are impacted by floods.

Structural Damage

Structural damage to a home is extremely common after a flood. The bones of your home could become damaged, perhaps causing the home to fall down in some places due to rotting.

Electrical Damage

Electrical concerns are among the most dangerous after a flood, but they are also some of the most devastating. Depending on many factors associated with your home, the electrical damage could require extensive repairs.

Appliance Damage

Appliances like stoves, washing machines, dryers, and refrigerators can all become damaged in a flood. Appliances are expensive, but insurance may be able to help you replace them.

Mold & Mildew

Mold and mildew are more than a nuisance. They can both cause serious health issues later, which makes them important to take care of immediately. Insurance can help with this step.

Septic & Well Water System Damage

Water can become contaminated after a flood, which is why you need insurance if you have a well water or septic system. You may need to do a lot of work to make sure that you can use the water safely, and this can be expensive.

Get Flood Insurance

If you live in Cincinnati, OH, Advantage Insurance Network can help you. Contact an insurance professional to discuss flood insurance before your home faces serious damage.

Dwelling Fire Insurance Overview

Advantage Insurance Network offers coverage to Cincinnati, OH residents. We strive to make sure that our clients are protected in every situation. We proudly serve the community as an independent agency. This allows us to offer our clients a wide variety of options. We look forward to helping you find the coverage you need.

Dwelling Fire Insurance Overview

Your Cincinnati, OH property is your sanctuary. It’s the place where you can relax after a long day. The Midwest is known for rough winter conditions, so perhaps you have a seasonal residence that you also spend time at during the cold winters in Cincinnati. If something happens to your seasonal residence, you may not be protected unless you have dwelling fire insurance.

Dwelling fire insurance covers any property that you have that is not your primary residence. Dwelling fire insurance covers any damage to your seasonal home, as well as your personal items. You are covered if your property is damaged due to severe weather or an accidental fire. You can amend your coverage to protect yourself if your property is damaged by a windstorm or explosion.

You can choose a broad form of coverage that protects your property if someone vandalizes it or there is electrical damage. You are also covered if your residence starts to erode due to insect damage. Consider taking inventory of any personal items that you have at your seasonal residence. This way, you’ll have an estimate of their value if something happens. Depending on the area that your property is in, you can add extra coverage to cover you if a riot occurs or an earthquake.

Advantage Insurance Network Will Help You Protect Your Investment

Visit our website to learn more information on dwelling fire insurance.  

What Does Boat Insurance Cover?

You have survived a long winter in Ohio and are looking forward to putting your new boat in a lake and heading out for some fun in the sun but you may want to consider insuring your boat before using it. The staff at the Advantage Insurance Network in Cincinnati, OH understand all of the different types of boat insurance coverage you can obtain in Ohio and will help you choose the correct ones for you and your boat so you can simply enjoy being out on the water.

In Ohio, it is not required that you have boat insurance but it is highly recommended since accidents can still happen out on the water just like they do on the highways.

Main Boat Insurance Options

Liability insurance will cover any bodily damage to a person that has been caused by your boat as well as property damage to someone’s boat or a dock.

You can also get a boat insurance policy that includes comprehensive coverage which means if damage occurs to your boat from a storm, vandalism, a fire, or it is stolen, you can have your boat replaced or repaired without a large cost to you and your family.

Extra Boat Insurance Options

You can also opt to have insurance in place for your boat that covers other items, including your beloved fishing equipment. This includes if your equipment is damaged or stolen.

You can also receive roadside assistance which means if you are stranded out on a waterway due to your boat breaking down or becoming damaged, you can get a tow or other assistance.

Having good insurance coverage in place for your boat will provide you with more peace of mind and relaxation while you are out on the water in your boat. To choose the best options for you and your boat, contact an experienced Ohio boat insurance agent at the Advantage Insurance Network in Cincinnati, OH to get your policy started today.

4 Benefits of Motorcycle Insurance

Just like you never forget about your safety gear and motorcycle maintenance, you should never ride your bike without motorcycle insurance. This coverage could save the day when you least expect it. 

Are you having second thoughts about motorcycle insurance? Here are the advantages you accrue when buying motorcycle insurance from Advantage Insurance Network in Cincinnati, OH.

Liability coverage

If you are accused of property damage or bodily injury to other people, motorcycle insurance helps you pay for the liability claims. While most states have minimum liability coverages you should purchase, you should go for higher limits to increase your coverage. 

Medical payments

Unlike vehicles with a protective body, even a minor accident on a bike can result in severe injuries for you and your passenger. Thankfully, if you have Personal Injury Protection (PIP) coverage, it covers the resulting medical expenses, lessening your financial burden. Better yet, PIP coverage may cover partial loss of income and funeral expenses.

Asset protection

While liability coverages cover losses you sustain to other people, comprehensive and collision coverages cover your bike. In the event of an accident or when perils like fire, theft, and vandalism occur, motorcycle insurance covers replacement or repair bills of your bike. 

It’s the law

Ohio requires all riders to carry motorcycle insurance whenever riding on public roads. Failure to comply with motorcycle insurance exposes you to fines and penalties, including license suspension. Besides, if you are uninsured, you will have to pay out-of-pocket expenses for the damages you cause. 

Buy motorcycle insurance today

If you are about to purchase a bike, it comes with many benefits. From cheaper gas, ease of commuting to limitless fun on the highways, there are a million reasons to buy a motorbike. However, amidst the fun, you should never forget about motorcycle insurance.

Are you shopping or renewing motorcycle insurance in Cincinnati, OH? Don’t hesitate to get in touch with Advantage Insurance Network for a personalized quote. 

Surprisingly unique things you didn’t know are covered in your home insurance policy

Home insurance is a complicated policy. Reading and understanding over 30 pages of your policy is not always easy, and that is why you may not catch everything–particularly coverages. Most insurance companies in Cincinnati, OH advise policyholders to focus more on their coverage, limits, deductibles and rates. If you want to know more about your home insurance policy, this post is for you. Here are the unique things you didn’t know about home insurance coverages.

Identity Theft

You could incur very high expenses trying to repair the damage that comes with a stolen identity. You also waste a lot of time and resources getting other things like your credit cards.  Some insurers in Cincinnati OH included identity theft coverage in your home insurance policy which can be helpful to people who are more vulnerable to identity theft.

Plants, Shrubs, Lawns and Outdoor Trees

If you are a landscaper or like planting and creating beautiful gardens in your home, simply call Advantage Insurance Network and add this coverage in your home insurance, as all landscaping elements are covered in home insurance.

Things Not at Your Home

Home insurance covers your personal belongings wherever you go. Whether you go on vacation and lose your valuables or your children lose their laptops at school, or someone broke into your partner’s car and stole their sports gear, home insurance can help replace them.

Food Loss

Sometimes you may have to throw away bad food when there is a power outage or your refrigerator breaks down. Home insurance can pay for the spoiled food caused by a power outage that wasn’t your fault. However, if you deliberately fail to turn on your fridge or pay the electricity bill, home insurance may not cover any losses as it does not cover intentional acts. You also won’t be compensated if your fridge spoiled food due to normal wear and tear.

Home insurance is an interesting policy that takes care of you, your family, your belongings and your home. For more information, policy discussions and other inquiries, feel free to contact Advantage Insurance Network today.

The Importance Of Keeping Your Vehicle Insured

In Cincinnati, OH, car insurance is required by law. Failure to purchase car insurance will result in loss of license, hefty fines, and even possible jail time. However, avoiding penalties of law isn’t the only reason why car insurance is essential. Car insurance protects you and your vehicle from costs and damages from accidents to natural disasters. Here are the top reasons to keep your vehicle insured.

Car Insurance Protects You Financially

There are many costs associated with owning a vehicle, especially when you are involved in an accident.  Car insurance protects you against any fees that might occur relating to an accident. It will protect you from coming out of pocket for medical bills, legal expenses, and vehicle repairs.

Protects You Against A Lawsuit

Even if you are at fault for an accident and caused significant damage to another driver or property, having auto insurance will help protect you against claims made against you, including legal defense.

Car Insurance Helps You Protect Yourself

While liability is a requirement when operating a vehicle, many drivers drive without it. Having your own auto insurance will help you cover repairs and medical bills if you are involved in an accident with someone who does not have insurance or the means to cover your claims.

Helps Protect Your Passengers

If you are involved in an accident, car insurance will protect your passengers if they are injured. In addition, some policies will cover hospital visits, surgeries, and other medical expenses.

Peace of Mind

 Having car insurance will give you peace of mind knowing your expenses will be covered in case of an accident.

For more information on the importance of car insurance, reach out to the Advantage Insurance Network in Cincinnati, OH.

4 Potential Liability Issues Ohio Restaurant Owners Should Be Aware Of

Advantage Insurance Network offers multiple types of coverage to Cincinnati, OH residents. We are an independent insurance agency. We believe that working with multiple carriers across the Midwest gives us an advantage over the competition. We sit down with each of our clients and help them assess their options. We provide flexible policies designed to meet the unique needs of our clients.

Potential Liability Issues Ohio Restaurant Owners Should Be Aware Of

Part of Cincinnati, OH’s thriving economy is the emergence of several bars and restaurants in the area. As the owner of a local bar or restaurant, this is an exciting time. However, it is important that you understand the risks associated with opening a bar or restaurant. Bar and restaurant insurance is an asset. You are protected if your property is damaged or your equipment is stolen. Here are a few ways that liability coverage protects your business.

Liquor Liability

As a bar owner, patrons come to your establishment to enjoy a few drinks and have a good time. However, you have to closely monitor the amount of alcohol you serve your customers. If your customers become intoxicated and injure someone or cause property damage, you will be held liable.

Unexpected Hazards

General liability coverage will protect your business if one of your customers is injured due to a slip and fall accident or falling out of a loose chair.

Flammable Accessories

While it is cool to have stylish accessories around the restaurant, you have to be careful. If one of the accessories accidentally catches on fire and hurts someone, you will be held liable.

Employee Injuries

Perhaps one of your employees is injured while performing tasks. Worker’s compensation will protect you from possible legal action.

Advantage Insurance Network Will Help You Protect Your Investment

Visit our website to learn more information about bar and restaurant insurance.

Why should a contractor in Ohio get contractors insurance?

For anyone that is looking for a great career path in the Cincinnati, OH area, becoming a contractor can be a great decision. Those that are contractors will find there is a lot of great work opportunities and plenty of chances to be successful. While you can have a great career as a contractor in this part of Ohio, you also need to make sure your business is properly covered. A contractor’s insurance plan offers several important forms of coverage. 

Coverage for Equipment

One of the most important reasons to have a contractor’s insurance plan is so you can receive coverage for your equipment. A contractor will need to purchase a lot of different tools and other equipment needed to complete their typical job. If they are ever a victim of theft, vandalism, or other forms of damage, the impact can be significant. With a contractor’s insurance plan, you will have the support needed to replace these assets.

Liability Protection

A contractor in Ohio should also get a contractor’s insurance plan to ensure you have liability insurance protection. A contractor will take on liability risks on a regular basis. If they make certain errors or are negligent in any way, they could be found liable for the related damages. This form of coverage can be mitigated with a proper insurance plan as it will include some liability insurance coverage. 

If you are in the Cincinnati, OH area and trying to build your contractor’s business, picking a proper insurance plan is important. If you are looking for a plan here, the Advantage Insurance Network can provide a lot of support. The team with Advantage Insurance Network can help you assess your different needs and options and give the guidance necessary to choose an ideal policy. 

Why Every Condo Owner Needs Condo Insurance

If you have a condo, you know what a financial investment it is. It’s important to protect that investment by having a condo insurance policy in place for as long as you own your home. If you need a condo policy, call us today at Advantage Insurance Network in Cincinnati, OH. 

Protection for Your Home

When you have condo insurance, it offers protection for your home against a number of scenarios that can badly damage or even destroy the condo. Without this coverage, you could expect to have to pay for all of the damage yourself from your own pocket. Condo insurance makes this unnecessary. It’s an important type of coverage for your home. 

Coverage for Your Possessions

Next to your home, you likely have put in the second-largest amount into all of your belongings. It can be easy to look around and think that it isn’t all worth much, but to replace it all would cost quite a lot. That’s why it’s so important to have condo insurance. It insures all of your possessions that are inside your condo in case of a disaster or other scenario that ruins them. Without this coverage, you would be starting again with nothing. 

Your Comfort

If the worst happens and your condo becomes significantly damaged, it may be uncomfortable to be in and uninhabitable. If this happens, your condo policy would pay for you to move in and live somewhere else during the repairs. It can even pay for your living expenses while you are waiting to get back to your home. This coverage is invaluable for keeping you comfortable and in a livable environment. 

Get Your Condo Policy

If you need condo insurance for your home, call us today at Advantage Insurance Network in Cincinnati, OH to talk to an agent about the policy you need.