E. Wayne Sloan Business Insurance

03/26/2026

My Video on The Business of Food

https://fb.watch/dgC5N3ET6F/

https://www.instagram.com/tv/CeEIPkNNRwJ/?utm_source=ig_web_copy_link

Contact Information: [email protected]

02/23/2026

A profitable Food & Beverage operation is an operation that has solid controls and procedural guidelines designed to minimize waste, perishability of raw materials, and produce a product in a clean & safe environment

[email protected]

02/23/2026

QUESTIONS ABOUT HOME INSURANCE CREDIT-BASED INSURANCE SCORES

Credit guidelines and procedures vary by state.
➢ Credit-Based Insurance Scores (CBIS) - CARRIERS utilizes a credit-based insurance
score to evaluate a consumer's potential for future loss exposure. This score is
obtained by applying a mathematical formula to credit information.

CARRIERS utilizes several factors to determine a fair price for insurance risk.
➢ Impact on Credit Scores - It is important to note that the use of CREDIT-BASED INSURANCE SCORES does not
negatively impact on a customer’s credit score. This is because CREDIT-BASED INSURANCE SCORES is considered a
"soft hit" on a customer’s credit, meaning it does not affect their credit score in the same way as a "hard hit" from a credit application or loan inquiry.

Wayne can be contacted at: [email protected]

02/18/2026

Nonprofits Especially Need Protection Against D&O Liability Risks

Although Directors' and Officers' liability insurance (D&O) often is associated with large for-profit companies, they are not the only ones that need it.

02/13/2026

Insurance professionals can bring real value by helping contractors strengthen their risk posture before issues arise.

That starts by asking the right questions:
1) What type of work do you perform?
2) What percentage is self-performed vs. subbed out?
3) Do your subs carry adequate insurance—and can you prove it?
4) Are your contracts strong enough to pay a contractual agrrements- potential losses, damages, or legal liability?

Understanding the risks and structuring policies appropriately on the front end can be the difference between smooth claims handling and major financial setbacks.

By drilling down into the operational realities and structuring the policy accordingly, my team can position contractors to better withstand the increasing frequency and severity of claims in today’s construction environment.

E. Wayne Sloan, [email protected]
https://www.facebook.com/EWayneSloanBusinessInsurance/

02/03/2026

Cyber Liability Insurance is no longer a ‘nice to have’ coverage for our clients, it’s a necessity.
SOLUTIONS
As more and more businesses move online, the risk of cyber-attacks increases. That’s why Cyber Liability Insurance is becoming an essential option for companies of all sizes. By offering this coverage to our clients, our team can provide peace of mind and protection against the potentially devastating costs of a cyber attack.

SOLUTIONS!

WHAT WOULD A CYBER ATTACK DO TO YOUR BUSINESS?

Cyberattacks now impact manufactures, construction, firms, trucking firms, contracting firms, non-profits, Religious Organazations, accounting firms, , law firms, restaurants, breweries, hotels, property managers, schools, auto repair shops, distribution centers, retailors, boutique shops, and engineering firms. A Cyberattack will halt and expose your sensitive data as connected devices, cloud files, and digital project tools increase vulnerability.

To help protect your businesses, we’re pleased to be associated with A+ Insurance Cyber Companies that have years of experience in protecting businesses like yours.

02/02/2026

Housing affordability isn’t just hurting buyers: More homeowners & Business owners are falling behind on their mortgages.

An unexpected health crisis, car accident, and falls and other disability injuries are a major cause of mortage foreclosures.

Your Home & Business & mortgage
Help your family stay in your home & keep your Business
Keep up with your mortgage payments

Housing affordability isn’t just hurting buyers: More homeowners are falling behind
In an affordability crunch, Gen Z adults lean on their parents for financial help

01/29/2026

M&PL Risk Management Resources
In today's complex business landscape, Management Liability insurance is crucial for protecting against claims stemming from management decisions and actions. This coverage shields against allegations of wrongful acts, fiduciary breaches, and employment practices violations, providing essential financial protection and preserving the company's reputation.

Professional Liability insurance, also known as Errors and Omissions
Professions That Commonly Need Professional Liability Insurance
Core Professional Service Fields
• Accountants & CPAs — High exposure to financial errors and tax-related claims.
• Consultants (business, management, IT, strategy) — Advice-driven work creates liability for client losses.
• Real Estate Agents & Brokers — Required in some states; exposure to disclosure errors and transaction disputes.
• Attorneys — Many states mandate coverage due to malpractice exposure.
• Healthcare Providers (doctors, nurses, therapists) — Often legally required; protects against malpractice claims.
Technical & Creative Professions
• Engineers & Architects — Design flaws, structural issues, or project delays can trigger claims.
IT Professionals & Software Developers — System failures, data loss, or cybersecurity oversights.
• Marketing, Media, and Creative Professionals — Copyright issues, misrepresentation, or campaign errors.
Specialized Service Providers
• Financial Advisors & Insurance Agents — Exposure to claims of unsuitable recommendations or misrepresentation.
• Medical & Mental Health Counselors — Claims related to treatment outcomes or professional guidance.
• Educators, Trainers, and Coaches — Liability for advice or instruction that leads to client loss or harm.

(E&O) insurance, is equally vital for professionals. It offers customized solutions to mitigate risks associated with errors, omissions, and negligence in delivering professional services. Professionals across various sectors rely on this coverage to safeguard against potential liabilities and legal disputes.

Management and Professional Liability (M&PL) products offer comprehensive risk coverage. But in addition to best-in-class insurance coverage solutions, PHLY provides proactive risk management services to help businesses identify, assess, and mitigate risks effectively. The combination of these solutions and services empower businesses to navigate complex risk environments with confidence and resilience.

Call: Wayne Sloan-513-353-8555, [email protected]

01/28/2026

01/16/2026

Did you know that half of all people with glaucoma don't even know they have it? At first, glaucoma symptoms can start so slowly you might not notice them. However, glaucoma can cause vision loss and blindness by damaging the optic nerve.

The only way to find out if you have glaucoma is to get a painless glaucoma screening, which checks your optic nerve health and vision. Medicare covers a glaucoma screening once every 12 months if you're at high risk.

Medicare considers you at high risk if at least one of the following is true:

You have diabetes

You have a family history of glaucoma

You're African American and 50 or older

You're Hispanic and 65 or older

01/16/2026

" If you can't fly then run, if you can't run then walk, if you can't walk then crawl, but whatever you do you have to keep moving forward."

-Dr. Martin Luther King Jr.

Wayne Sloan Insurance Agency will be closed on Monday January 19th.

12/14/2025

Preventing Freezing Pipes