Insurance

14 articles
Your Local Insurance Agent

Your Local Insurance Agent

Our Story Essential for life. A powerful protectant, zinc is woven through every form of life we know. So, by nature, our instinct is to protect, to insure. Seeking the best source for that protection, you come full circle: Welcome to ZINC. Symbiotic relationships keep life moving, advancing. This simple truth is at the heart of what ZINC does. Our…
You Got to Feel the Barn!

You Got to Feel the Barn!

If you know Dennis, you also know Zinc: honest folk, working hard to help demystify the insurance scene. We’re happy to know you, and now that we’re acquainted, we have exciting news to share: we’re moving on up. Recent years have seen tremendous change, both at The Dennis Agency, and here at Zinc. We’ve collaborated with friends—new and old—both within…
Important Zinc News

Important Zinc News

Zinc/Dennis Merger After four years of caring for both the Zinc and Dennis families we realized a straighter path to better service and smarter use of resources. Not an easy decision—The Dennis Agency is BVH's oldest active business. But since Zinc is positioned best to adapt to a changing insurance market and to more carefully serve and protect your interests,…

A Road Paved in Protection

During these, the longest days of the year, the call of the open road can be too strong to ignore. And with some 15 hours of sunshine to work with, one day can really pack a punch on the adventure scale. But as we collectively head out, and rubber meets the road, let’s be sure we aren’t leaving protection in…

Harboring Safety

BBQs and bonfires are in full swing, and the seasonal countdown begins. It’s the time of year for adventure, for stepping out of the norm. But as thoughts may shift from backyard swimming hole to open seas, let’s be sure our safety net is cast wide and far. Because while there’s little that’s more relaxing than bobbing along any given…
Introducing Zinc Creative: Artist and Craft Artist Insurance

Introducing Zinc Creative: Artist and Craft Artist Insurance

At Zinc, we’re all about protecting what matters most—to you. And while that’s different for everyone, it’s safe to say that if you’re a professional artist, we’re talking about your business, your property, and your reputation. Having supported Northeast Ohio’s artists for some time now, we’re aware of your concerns and questions. So let’s take the opportunity to get better…
Zinc & Sigma II

Zinc & Sigma II

Traversing healthcare changes can be a chore—Unless of course you have an expert at the ready. Therefore, we are excited about a recent development here at Zinc and its implications for you. Sigma II, a mighty contender in Cleveland’s group benefits and wellness scene, is now partnering with Zinc Insurance to bring you more comprehensive coverage options, along with expert…

Zn Dy feature logogotcha: A common term for a nasty practice, the “gotcha” is no laughing matter. This punch line can sock it to you, with series of hidden exclusions and limits that ultimately threaten your ability to file a legitimate claim. Even if you’ve done your due diligence and read the fine print, you could miss clauses and statements that negate coverage in specific circumstances—usually because coverage is assumed, and language is convoluted. Whether due to a disconnect between policy wording and business practices, or because of open-to-interpretation jargon, a “gotcha” is never a welcome surprise. So ask an expert to translate, before the joke’s on you.

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Zn Dy feature logomisselling: Prevalent within and without the insurance industry, misselling is a bad deal: products or services are sold without full disclosure of details and exclusions. Worse yet, information may be purposely hidden. It could also entail bad advice, stemming from lack of knowledge of the policy, the customer, or both. Either way, the coverage doesn’t fit the need, and consumers lose. Oftentimes commission-based payouts and corporate sales quotas are at the core: agents may be left no option but to conform. Yet another reason an independent agent has more (or less) to offer.

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A Field Guide to Business Insurance

A Field Guide to Business Insurance

Dealing with Dinosaurs: Battling Giant Reptile-Like Risk Entrepreneurs, sole proprietors, small business owners and employers are some of the most determined, hard-working, savvy, intrepid members of our community. Moreover, in recent years, it’s been in the face of some overwhelming odds. It gets better. Recent SBA statistics are in: “Since the end of the recession (from mid-2009 to mid-2013), small…