Do you need Mechanical Breakdown Coverage for your business?

Mechanical Breakdown Coverage

 Mechanical breakdown coverage has become more popular in recent years. Twenty years ago only the most die-hard businesses carried this coverage. In the last 10 years, it has become much more common for businesses to carry this valuable coverage. It has even become fairly common to find this coverage added to small business policies. However, it is rarely automatic.

Due to the technical nature of many of the mechanical breakdown losses, it often requires specialists in various types of equipment, whether mechanical or electrical, to settle mechanical breakdown claims. As your insurance advisor, we can explain what is and is not covered by your policy, but we cannot make an accurate assessment of a damaged circuit board in your processing equipment. This takes a specialist.

The mechanical breakdown coverage not only provides coverage for damage caused by an “accident,” but also provides “service interruption coverage.” Let’s start by defining an accident. For a loss to be covered, it must be sudden and accidental and not expected by the policyholder.

In a mechanical breakdown claim, the company representative will first determine if the claim was accidental. A good example of this would be a power outage. Some power outages that cause damage are covered, but again, the requirement that the loss be accidental must exist. The policy will even consider whether the damage first occurred with your utility provider, and what caused their problem. Was the cause of the outage at the power station due to a covered accident defined in your policy? If a cause of loss at your power facility was not within the scope of your policy’s coverage, then the claim was caused by your supplier’s professional actions and there would be no coverage. We would then look for a coverage trigger occurring on your premises, such as a power surge or arching in your on-premises electrical service or equipment.

 An optional coverage that you can select is service interruption coverage. This coverage extension will pay for lost income and extra expenses when operations are curtailed following a covered loss.

Call our office to discuss this coverage in more detail.

~Save on a AAA Membership~

Starting today, April 1st through May 31st, AAA will be waiving the $10 enrollment fee for all new memberships. Take advantage of this great opportunity and save some extra CA$H on your summer vacation or whatever your future plans are!

Call our office today to sign up!


*Happy Easter*

Our office will be closed Friday, March 29th.  

We hope all of you have a Happy Easter!!

We can still be reached for emergencies by calling our office.


easter agency

**Happy Spring!!**

Happy Spring!!


Even though it doesn’t feel like it!


Late last year, victory was finally achieved when the Ohio General Assembly and Governor Kasich approved House Bill 278, which increases Ohio’s financial responsibility limits to $25,000 per person / $50,000 per accident for bodily injury and $25,000 per accident for property damage. The higher limits will take effect on all policies issued or renewed on or after Dec. 22, 2013. The current limits of 12.5/25/7.5 have not been changed since 1969. We wanted to forewarn some of our customers that their policies will be increasing as they renew.
Additionally, the bill creates a financial responsibility task force to study financial responsibility in Ohio with a focus on the issue of uninsured motorists. The task force will be composed of 12 members, one of which will be an auto insurance agent. The Professional Insurance Agents Association is working to have one of our members appointed to this task force.
If you have additional questions regarding these changes, please feel free to contact our office.


Our office is now a drop-off location for Toys for Tots.  Please drop off any new, unwrapped toys to our office by Monday, December 17th.

Help our office deliver the joy of Christmas to needy children throughout the United States!


Happy Thanksgiving!!

The Frank Clarke Agency, Inc. would like to extend our wishes to you & your family to have a very Happy Thanksgiving!

Our office will be closed on Thursday, November 22nd & Friday, November 23rd.  

You can still call our office in the event of an emergency.

Introducing Erie Insurance

Effective immediately, we are pleased to introduce Erie Insurance Group to our company offerings!

Erie Insurance was founded in 1925 in Pennsylvania.  They have grown into a multi-line insurance company, offering auto, home, business, and life insurance through independent insurance agents.

Erie has consistently earned superior ratings from AM Best.  They are also in the top 5 for claims satisfaction in the midwest geographic region.

We are pleased to begin working with Erie Insurance, and how you will be pleased to work with them as well.  If you’re interested in getting a quote through Erie Insurance, please contact our office today! 



Thank you for your patience while we updated our phone system!

We now have a new phone system, which also means we no longer have an emergency phone number!

If you have a commercial insurance emergency, please call our office, press 2 to be connected to Sean’s voicemail, and then press *2 to be forwarded directly to his cell phone.

If you have an auto or home insurance emergency, please call our office, press 3 to be connected to Nikki’s voicemail, and then press *2 to be forwarded directly to her cell phone.

Each member of our staff now also have voicemail! If the person you are trying to reach is not available, we can transfer you to their voicemail and they will call you back during normal business hours.

We are very excited about this new system, and hope you find it a little easier.

Enlist Employees in the Workers’ Comp Cost-Control Crusade

Below is a great article from  This gives some great tips on ways to help reduce your workers compensation premiums by involving your employees in the process.  We would love to hear your thoughts & ideas about this article!

Instead of keeping employees in the dark about how the Workers’ Compensation system functions for fear of encouraging more fraudulent claims, organizations would likely be better off proactively enlisting their people in their cost-control efforts.

Indeed, employers who either overlook or purposely avoid the chance to collaborate with their front-line personnel on Workers’ Comp risk management are missing out on some terrific opportunities to improve loss control, safety and return-to-work initiatives.

Employers routinely work with insurance carriers, third-party administrators and health-care providers as well as their agents and brokers to improve safety and loss control. Too often, however, a critical player is ignored—the employees for whom the comp system was created in the first place.

Most organizations handle Workers’ Comp on a need-to-know basis, which means the vast majority of employees don’t hear about it unless they are actually injured on the job. I would argue that all employees need to know how the Workers’ Comp system functions and what workers can do to better protect themselves and their colleagues.

Why the mystery about Workers’ Comp? In speaking with risk managers and insurers, the explanation I hear most often is that the more employees know about how Workers’ Comp programs operate, the more likely they’ll be to try to game the system. Hearing about the possibility of getting paid for not working—as well as how they could receive expensive medical treatment for non-work-related incidents without the deductibles and co-payments of standard health insurance—would only tempt more employees to file a fraudulent claim, this reasoning goes.

I would suggest this attitude is counterproductive. The goal should be for employers and insurers to establish a more transparent system that makes workers part of the solution, rather than merely part of the problem. Better communication and collaboration can make the difference.

A risk manager can start by incorporating information about Workers’ Comp into orientation materials, treating it like any other employee benefit. Explain in clear language how to file a claim, how medical treatment and rehabilitation are handled, and what efforts will be made to return them to work.

Most importantly, urge everyone to alert management if they spot a potentially hazardous working condition, following the example set by the U.S. Department of Homeland Security, which advises everyone: “If you see something, say something.” Include instructions on what to do if the reported hazard isn’t addressed through a change in working conditions, procedures and/or equipment.

Consider offering additional incentives—such as a bonus, extra paid days off and/or a public award ceremony—to encourage workers to bring management’s attention to safety challenges and provide suggestions on how to address them.

Several things employers and insurers can do to more proactively engage workers in the cost-control crusade:

  • Create a mobile application to at least give employees quick and easy access to information about the Workers’ Comp process and provide an opportunity to file the first notice of loss right from their mobile device. A more sophisticated app could allow claimants to document accidents or hazardous conditions in pictures, videos and text.
  • Set up an intranet site or send out an e-newsletter sharing success stories spotlighting employees who reported safety hazards, or who returned to work after an accident thanks to Workers’ Comp-sponsored health care and rehabilitation.
  • Create Workers’ Comp communities, both live (such as a safety council made up of rotating members from management and the rank and file) and virtual (through internal social-media networks) to discuss ways to improve safety, more effectively navigate the Workers’ Comp system and get people back to work.
  • Consider taking a lesson from the group-health-insurance industry by sending an Explanation of Benefits to comp claimants to secure their help in spotting provider fraud—as well as put them on notice that someone is indeed monitoring their care.

Senior management can support this collaboration and emphasize its importance by being visible, whether by meeting with employees on safety, personally giving out awards to those who spot hazards, or by contacting those who are severely injured to make sure they are receiving proper care.

Bottom line: By proactively involving employees in Workers’ Comp risk management, rather than keeping them ignorant about the system, organizations and their insurers could upgrade safety systems and improve loss experience while bolstering the morale and camaraderie of their workforce.

Tree Trimmer Insurance Cleveland | Business Insurance Strongsville | Life Insurance Strongsville | Business Insurance Westlake |