Zach Pursel, Author at Short Agency Insurance

Actual Cash Value vs. Replacement Cost for Commercial Property

When insuring a commercial building, inventory, furniture, or equipment, one decision can significantly affect how a covered property claim is…

Zach PurselAugust 28, 2026

Insurance

Farm Equipment Insurance Checklist Before Harvest

Harvest can put nearly every tractor, combine, grain cart, and piece of supporting equipment into service at the same time.…

Zach PurselAugust 26, 2026

Personal Insurance

Renters Insurance in Northwest Ohio: What It Covers and Why a Landlord’s Policy Is Not Enough

If you rent an apartment, duplex, or house in Northwest Ohio, your landlord probably insures the building—but that does not…

Zach PurselAugust 24, 2026

Business Insurance

Business Income vs. Business Interruption Insurance: What Does It Cover?

A fire, windstorm, or other property loss can affect more than your building and equipment. Even after the physical damage…

Zach PurselAugust 21, 2026

Business Insurance

Farm Liability Insurance: Common Claims and Coverage Questions

A visitor slips in a barn. Livestock escape and damage a neighbor’s property. A tractor is involved in an accident…

Zach PurselAugust 19, 2026

Personal Insurance

Does Car Insurance Cover Flood Damage?

Floodwater can damage a vehicle’s engine, transmission, electronics, interior, and safety systems. Does car insurance cover that damage? Comprehensive coverage…

Zach PurselAugust 17, 2026

Business Insurance

Business Insurance Review: What Northwest Ohio Owners Should Recheck Each Year

Your business may look different today than it did when your insurance policies were written. Revenue changes, new employees, additional…

Zach PurselAugust 14, 2026

Business Insurance

Does Farm Insurance Cover Wind Damage to Barns and Grain Bins?

Strong winds can damage a barn roof, loosen metal siding, bend a grain bin, or tear attached equipment from a…

Zach PurselAugust 12, 2026

Personal Insurance

Home Insurance Policy Review: 8 Changes to Tell Your Agent About

Your homeowners insurance should reflect the home you own today—not the home you insured several years ago. Renovations, major purchases,…

Zach PurselAugust 10, 2026

Business Insurance

General Liability vs. Professional Liability: What Is the Difference?

A customer slips at your business. A contractor damages a client’s property. A customer alleges that your professional advice caused…

Zach PurselAugust 7, 2026