Jonathan Clayton's Insurance Consultation

04/09/2026

I am seeing a wide variety of rates across carriers in today's market. I just saved a client over $1700 annually.

📲Call/text today!

03/17/2026

The Midwest has been getting hit—and the insurance market has been responding.

Over the past few weeks alone, we’ve seen tornadoes, 70+ mph winds, and baseball-sized hail move through Illinois and Indiana. These aren’t isolated events anymore—they’re becoming the norm.

Wind & hail now drive a massive portion of property claims, accounting for nearly half of all insured losses nationwide. Carriers are reacting with:
• Higher wind/hail deductibles
• ACV vs. RCV settlements
• Roof age restrictions
• Cosmetic exclusions for "undamaged portion"

If you own real estate in the Midwest, the question isn’t if you’ll be impacted—it’s how well your coverage is structured when it happens.

Now is the time to review your policies before storm season ramps up.

02/12/2026

A competitive quote is easy.

What’s harder — and far more valuable — is structuring an insurance program that:
• Captures every available credit
• Reduces claim frequency
• Uses carrier risk management tools
• Positions you better at renewal

If your insurance strategy hasn’t evolved in the last 12 months, there’s a good chance it’s leaking value.

Small adjustments can make a big impact over time.

02/05/2026

🚨 Real Estate Investors: Emergency Safety Isn’t Optional—It’s Liability Protection

In a multi-family property, things like illuminated exit signs, fire extinguishers, smoke detectors in every unit, and emergency lighting aren’t just “nice to have.” They’re often the difference between a defensible liability claim and a nightmare.

When someone gets hurt, the first question isn’t what happened—it’s was the property reasonably safe?

Claims get ugly fast when:
• Exit signs aren’t visible
• Emergency lighting doesn’t work during a power loss
• Fire extinguishers are missing or expired
• Smoke detectors aren’t present or functioning in each unit

Even if the incident wasn’t your fault, missing basic life-safety features gives plaintiff attorneys leverage and insurance carriers reason to question coverage or settlement value.

Smart investors treat life-safety compliance as part of risk management—not just a code requirement.

If you own or manage multi-family, it’s worth walking your properties with this lens. It’s one of the cheapest ways to protect yourself from the most expensive claims.

01/22/2026

We’re in one of the most litigious business environments we’ve ever seen — and when a claim happens, the outcome often comes down to documentation, not intent.

I often talk about not just having an insurance policy, but developing a complete risk management strategy. Documentation is a great first step:
• Documented safety procedures and training
• Written contracts that clearly define responsibility
• Certificates of insurance that are current and accurate
• Proper additional insured language that actually transfers risk

When a claim hits, carriers and attorneys look for proof. Businesses that can show they followed procedures and transferred risk appropriately are in a much stronger position — both legally and financially.

Insurance works best when coverage and documentation are aligned.

01/16/2026

👀If your business falls into one of the classes shown below, you need to take a look at what The Hartford can offer!

The Hartford is an industry leader in innovative insurance products, competitve premiums, and services/technology offered to it's insureds.

This isn’t for everyone — but if you fit, it’s absolutely worth a conversation.

📩 Message me if your business matches one of these classes and you want to see how it compares to your current program.

12/25/2025

🎄 Merry Christmas & Happy Holidays from all of us Raines Insurance Group!

Grateful for the trust and relationships this year. Wishing everyone a safe, relaxing holiday season and a great start to the New Year.

11/27/2025

Today we are Thankful for every day in a wonderful community, with our trusted partners, and dedicated team!

11/24/2025

Small business owners: if you’re not using a telematics program yet, you might be missing out. 🚚📊

Telematics isn’t just for big fleets anymore. Today’s programs give small businesses real, usable insights—things like driver behavior, vehicle health, route efficiency, and safety trends. And the best part? These tools often come built into the insurance programs you already have access to.

By letting your insurance company help you track and improve fleet safety, you can:
✅ Reduce accidents and downtime
✅ Lower fuel and operational costs
✅ Strengthen driver training
✅ Potentially earn better rates over time
✅ Build a culture of safety your customers will notice

Sometimes the smartest move is simply using the resources already available to you.

If you want to get more value from your insurance—not just a policy, but a partner—ask about telematics. Your business (and your bottom line) will thank you. 💡

Learn what telematics is, how it helps fleet managers boost safety, lower costs, and improve driver engagement in 2025.

11/04/2025

🔍 It’s that time of year again — time for your end-of-year business insurance review.

Before you close the books on 2025, take a few minutes to make sure your coverage still matches your business:
✅ Have you added new equipment, vehicles, or locations?
✅ Did your payroll or revenue grow this year?
✅ Have market or replacement costs gone up?

Small changes can leave big gaps in coverage — or opportunities to save. An annual review helps ensure your policy still protects what you’ve built.

If you haven’t reviewed your business insurance this year, now’s the perfect time.

10/15/2025

🍽️ Thinking about switching your restaurant’s business insurance?

Nationwide has been making big strides in the hospitality space — offering customized coverage built around the real risks restaurants face today:
✅ Food spoilage and equipment breakdowns
✅ Liquor liability and employee-related claims
✅ Business interruption from power outages or kitchen fires
✅ Flexible workers comp and property solutions

If your current carrier isn’t keeping up with rising costs, limited endorsements, or slow claims service, now’s the time to explore what Nationwide can offer.

At Raines Insurance Group, we help restaurant owners review their coverage, uncover gaps, and transition smoothly to stronger, smarter protection.

Let’s make sure your coverage works as hard as your team does. 👨‍🍳

10/03/2025

🏢When you need property insurance, there's only 1 call to make, ME!

Numerous carrier options for all types of investment real estate!
Raines Insurance Group