E. Wayne Sloan Business Insurance

10/16/2026

General liability is a business owner’s best friend.

General liability is the friend that says:

“I’ve got your back when things go wrong.”

It protects them from the most common, most expensive, and most business‑ending risks they face every single day. It is the one policy that responds when everyday accidents turn into lawsuits — and those lawsuits can cost more than most small businesses can survive.

Why It’s Their “Best Friend”

Because general liability steps in when the business owner is most vulnerable:

When someone gets hurt

When property gets damaged

When a competitor claims advertising harm

When a $50,000 lawsuit arrives unexpectedly, and legal fees threaten to bankrupt the business

It is the one policy that shows up every time a business interacts with the public — customers, vendors, delivery drivers, visitors, or anyone who steps onto the premises or receives services.

[email protected]

10/12/2026

VIDEO Nonprofits

https://youtu.be/X4LSM4zWqL0

10/12/2026

Risk to the Supermarkets, Distribution Centers and Restaurants!

The Paris prosecutor's office has launched a formal, nationwide criminal investigation into the infrastructure attack. calling the intentional targeting of the French food supply "unprecedented" and "unacceptable."

A massive large-scale cyberattack has targeted the refrigeration networks of several major French supermarket chains. Overnight between Sunday, October 11, and Monday, October 12, 2026, hackers breached security software controlling connected commercial refrigerators and triggered a forced, continuous defrost cycle, sending temperatures in some cold-storage units skyrocketing up to 50°C (122°F)

Affected Chains: The attack heavily hit Intermarché (affecting an estimated 150 to 200 stores) and Coopérative U (affecting around 100 stores). Physical Damage: The sudden configuration changes and extreme temperatures also sparked localized outbreaks of fire at several locations.

The food losses will be in the $millions dollars.

Cyber Coverages That Apply to This Attack

A comprehensive cyber insurance policy generally covers these losses through three primary mechanisms:
• Data Breach & Property Damage (Cyber-Physical): Modern cyber policies often include "cyber-physical" endorsements. This covers physical damage to property (such as the burnt-out refrigeration units) if caused directly by a cyber incident.
• Business Interruption (BI): This is where the bulk of the financial recovery will happen. BI covers lost profits and ongoing operating expenses while the grocery stores are forced to close or operate at a reduced capacity due to the system outage.
• Spoilage & Perishable Goods Logistics: Many retail-specific cyber policies feature endorsements for dependent business interruption or digital spoilage, specifically paying out for the market value of the destroyed fresh and frozen food.

Our Cyber Team can protect your restaurants, and distribution centers.

E. Wayne Sloan
[email protected]

10/06/2026

Online Bonding for Contractors, Freight Brokers, Small Businesses, Estates & more.

Wayne Sloan, [email protected]

10/05/2026

Women In Trucking/ Ladies In Trucking

Ellen Voie, the president and CEO of the nonprofit Women in Trucking Association, said drivers weren't provided with personal protective equipment when supplies were limited and that many states also closed their rest areas. Voie noted that it was particularly difficult for women -- who make up just 10% of all truck drivers -- to find a bathroom or a shower. Overall, she noted, women drivers face higher risk and have to be "especially sensitive to being situationally aware to protect themselves."

Yet one woman trucker I spoke with saw the COVID-era as a beckoning for a fresh career. Nasrin Naderi, an immigrant from Afghanistan, went to trucking school and got her commercial driver's license, or CDL, in 2020 after she realized she could no longer rely on her previous employment in restaurants or hotels, or with Uber and Lyft.
"When I'm driving, it's like one big movie in front of me, with no filters."
Nasrin Nadiri, an Afghan woman truck driver based in Chicago
Now Naderi makes solid wages hauling a double trailer for a company that contracts with FedEx, transporting everything from car tires to furniture. Her goal for next year is to purchase her own vehicle and start a trucking company. In the meantime, she shares her road stories on TikTok, largely to inspire other single immigrant mothers to enter the male-dominated trucking industry. The most exciting part of the job? Being able to travel, see the country and feel alive. "When I'm driving, it's like one big movie in front of me, with no filters."
In It For The Long Haul!

E. Wayne Sloan, [email protected], 513-353-8555
Business/Trucking Insurance

10/05/2026

ASK THE INSURANCE MAN
Surety Bonds Provide Prevention & Provention

Why Do Contractors Fail?
Contractors fail when they manage projects but fail to manage the business.
Contractors fail for a small number of high‑impact, predictable, and preventable reasons.
Contractors don’t fail because of one bad job — they fail because multiple controllable risks compound over time:
1) Cash flow mismanagement
2) Poor estimating
3) Weak business systems
4) Overexpansion
5) Lack of reserves
6) No strategic planning

Surety Bonds provide financial security and construction assurance to protect owners by verifying that contractors are capable of performing the work and will pay certain subcontractors, laborers, and material supplies. This is important on public and private projects where taxpayers’s dollars are at risk.

Wayne Sloan: Business Insurance / Risk Management Specialist
Business to Business: [email protected], Cell: 513-353-8555

09/29/2026

As a business owner there are several insurances needed to protect yourself, your family and your business against liability claims. When you hear the word liability it means "YOUR FAULT."

Commercial General Liability (CGL) insurance is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations.

Essentially, it serves as a financial safety net if your business is sued by a third party (like a customer, vendor, or passerby).

Also, All of your business insurance can be deducted on your taxes as a business expense.

https://drive.google.com/file/d/0BzC1stRvfFAQaUgwRmVCVzZJNnMtdzIzWWtNclgxc3B6bDlR/view?resourcekey=0-OTcQrm64e5c_1_cH2og7WA

09/27/2026

Bonding Fits Into A Full Risk‑Management Strategy

Bonding provides a remedy if an obligation aren’t met.

Surety bonds and insurance are two types of financial protection. Surety bonds guarantee that a person or company will fulfill their obligations, while insurance pays for losses if something goes wrong.

What Is a Bond?
A bond is a financial guarantee that protects a client, government agency, or the public if a business fails to meet legal, ethical, or contractual obligations.

It is NOT insurance for the business.
It is a promise backed by a surety/insurance company that the business will:

Perform work correctly

Follow regulations

Handle money honestly

Complete contracts

If the business fails, the surety/insurance Company pays the claim — and the business reimburses the surety.

Which professions need to be Bonded and why?

Professions need to be bonded when the law, a licensing authority, or a contracting party requires a financial guarantee that the professional will perform honestly, comply with regulations, or fulfill contractual obligations. Bonding protects the public, clients, or a government agency—not the professional—by providing a remedy if obligations aren’t met.

E. Wayne Sloan
[email protected]

09/14/2026

Greater Cincinnati Business Owners:

FREE LEGAL ADVICE, PLEASE See Below

Good afternoon,


The UC Klekamp College of Law and the Duke Energy Legal Department will hold its 17th annual Free Legal Advice Event on Thursday, October 29 from 3-7 pm at UC Law School. This event provides a free 30-minute individual consultation with a licensed attorney in a variety of practice areas, including contracts, trademarks, patents, environmental, tax, and other specialties. This event is open to anyone and there is no cost to attend. Registration is available online at https://www.law.uc.edu/legaladvice or by contacting Tonya Young ([email protected] or 513-556-0117). I have also attached a flyer with more information.

Sponsored by the Duke Energy Law Department and the University of Cincinnati Donald P. Klekamp College of Law’s Entrepreneurship and Community Development Clinic (ECDC)

09/08/2026