Fuller & Sons Insurance Agency

09/07/2026

Fuller and Sons started because a family wanted to do right by their neighbors, one policy at a time.

Labor Day feels like the right day to say thanks to our clients and our team for keeping that going.

Enjoy the day, we'll see you Tuesday.

09/04/2026

That was a rough couple of rounds, Northwest Ohio. If you're looking at a snapped tree or a big limb down this morning, here's your step-by-step. Save this one.

1. Safety first, before anything. If the tree is touching a power line, or a line came down with it, stay far away and call the utility company. No photo is worth it.

2. Take photos and video before you touch anything. Wide shots and close-ups, from a few angles. This is the single most helpful thing you can do for a claim.

3. Prevent more damage where it's safe to. Tarp a hole in the roof, board a broken window. Keep the receipts, those reasonable emergency fixes are typically part of the claim.

4. Call your agent before you call a tree service, if the tree hit something. Two minutes on the phone can tell you what's covered and save you from paying for things your policy would have handled.

5. Be picky about who knocks on your door. Out-of-town crews follow storms like this. Get a local company, a written estimate, and never pay everything up front.

And if the tree missed everything and you're just tired and grateful this morning, that counts as a win too.

Not sure where to start? Message us. That's what we're here for, storm days most of all.

09/03/2026

September is National Preparedness Month

September is National Preparedness Month. Learn practical ways to prepare your home, family, vehicles, and insurance information for unexpected emergencies.

09/02/2026

Heat index in Toledo today: 103.

For reference, that's hotter than Phoenix right now. We checked. Twice.

Northwest Ohio in the same year: tornado warnings, flash floods, and now record-breaking heat. Our weather apps deserve hazard pay.

Real talk for the next 48 hours:

• Check on older neighbors and anyone without AC
• Cars turn into ovens in minutes. No kids, no pets, no exceptions
• Outdoor workers and marching band kids, water breaks are not optional
• The lawn can wait. It's already brown anyway

Storms roll in Thursday to break this thing, so hang in there. We're almost through it.

What's your family's beat-the-heat move? Ice cream for dinner is a valid answer.

09/01/2026

Quick science lesson from your friendly neighborhood insurance folks, because this week's forecast is a textbook example.

Here's the setup: highs in the 90s Tuesday and Wednesday with a heat index over 100. Then storms move in Thursday and Friday as the heat breaks.

That's not a coincidence. That's cause and effect.

Explain it like we're 5? Hot, humid air is basically storm food. All that heat and moisture builds up for days like a shaken pop bottle. When a cool front finally rolls in and pops the cap, the atmosphere spends all that stored energy at once. That's why the storms that end a heat wave often come in loud.

So two heads-ups in one this week:

• The heat itself is the first hazard. Check on older neighbors, don't leave kids or pets in cars even for a minute, and give the AC a fighting chance by closing blinds on the sunny side
• Then be storm-aware Thursday and Friday. Phones charged, patio stuff secured, weather alerts on

We're not saying cancel your week. We're saying the pop bottle is getting shaken. Plan accordingly, neighbors.

08/28/2026

Notice it yet? The sun set at 9:15 back in June. Tonight it's around 8:10, and we lose about two more minutes every night from here.

Nobody adjusts to that on purpose. One week you're grilling in daylight at 8pm, the next you're squinting at the road wondering when it got dark.

That squint window is the risky part. A few things worth knowing as the evenings shrink:

• Dusk is one of the hardest times to see pedestrians, worse than full dark, because your eyes haven't adjusted and headlights don't help much yet
• Kids are still outside at dusk. That bike in the yard means somebody's nearby
• Walkers and joggers: that gray hoodie makes you nearly invisible at 8pm. Light colors or a clip light change everything
• Drivers: headlights on before you think you need them. They're less about you seeing and more about being seen

Nothing scary here, just the annual reminder that August evenings are quietly rearranging themselves.

Stay bright out there, neighbors.

08/27/2026

Back-to-School Driving Safety for Teen Drivers

Review important back-to-school driving safety tips for teen drivers, including distracted driving, school buses, parking lots, vehicle maintenance, and auto insurance considerations.

08/25/2026

If your business uses ChatGPT for marketing, a chatbot on your website, or AI for bookkeeping, this one's for you.

Quick question: who's responsible if an AI tool your business uses gets something wrong? A logo that accidentally copies someone's trademark. A chatbot that quotes a customer the wrong price. An AI email that shares info it shouldn't have.

In most cases, that responsibility lands on your business, not the AI company.

Here's the part almost nobody knows. Starting this year, insurance carriers can add new exclusions to standard business liability policies that carve out AI-related claims. These are showing up quietly in renewal packets right now, and most owners sign without ever seeing it.

Nobody's saying stop using AI. It's a great tool, and most Northwest Ohio businesses we know are using it somewhere. The move is simply knowing what your policy says before you need it.

If your business renewal is coming up, dig out the packet and look for anything mentioning artificial intelligence. Or honestly, just send it our way. We'll read the fine print with you. That's kind of our thing.

08/21/2026

Let’s Hear Your Weekend Plans!!