---
title: Insurance Blog | Lang Insurance
description: Read the Lang Insurance blog for local, interesting and up-to-date insurance news.
---

# INSURANCE BLOG

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[**Constructing a House or Business Means Increased Risk for Fire** — Something often overlooked when constructing a new home or worksite is that during the construction phase, a building is most susceptible to fire. — In a published report by the National Fire Protection Association (NFPA), during the years 2010-2014, U.S. fire departments responded to an average of… — Nov 16, 2017](/blog/2017/constructing-a-house-or-business-means-increased-risk-for-fire)

[**How risk transfer can help the homeowner** — By Christopher Barger — I recently had a new roof put on my house. Before construction work could begin, there was the job of negotiating the terms of the project. — After I accepted the winning bid, the contractor sent over a contract outlining the scope of the work, their duties, my duties, etc.… — Nov 3, 2017](/blog/2017/how-risk-transfer-can-help-the-homeowner)

[**Construction a critical time for fire protection** — By Cincinnati Life — Building or remodeling a home or business is an exciting time, filled with many decisions. One consideration that’s easy to overlook is adequate fire protection. — During construction or renovation, your home or business is most susceptible to fire. In a recently published… — Oct 19, 2017](/blog/2017/construction-a-critical-time-for-fire-protection)

[**Key employees – are they really key?** — By Dane Albright — What traits define a key employee? Key employees may be highly paid, responsible for management decisions, engender a special rapport with customers and creditors or produce a significant impact on sales. A business may have an insurable interest in key employees based on their… — Oct 12, 2017](/blog/2017/key-employees-are-they-really-key)

[**Time to Review Your Universal Life Policy** — By Cincinnati Life — You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be time for you to pull your policy out of your files and review where it… — Sep 20, 2017](/blog/2017/life-insurance-universal)

[**Protection for the Present; Options for the Future** — By Cincinnati Life — Imagine paying insurance premiums for 20 years without a claim, and then getting back all of those premium dollars. If that sounds too good to be true, take a look at return-of-premium (ROP) term life insurance. — — An ROP term life policy covers all bases in life. If the… — Sep 14, 2017](/blog/2017/life-insurance-options-future)

[**Three Concerns, One Life Insurance Policy** — By Cincinnati Life — With so many options available for life insurance, some people struggle with their decisions and opt to … do nothing. — But what if one policy made their choice easy? Guaranteed whole life insurance provides a level premium that never changes based on your health or age. This… — Sep 5, 2017](/blog/2017/life-insurance-three-concerns)

[**Insuring Your Love in All of Its Stages** — By Life Happens — Think of your life as a series of stages: youth, adulthood, parenthood, maturity. Each stage has its own loves, its own rewards – and its own reasons to purchase life insurance. — As you reach different stages of life and your needs change, consider how different life insurance… — Aug 22, 2017](/blog/2017/life-insurance-life-stages)

[**How Much Life Insurance Do I Need?** — By Cincinnati Life — Once you have decided to purchase life insurance, the next question to answer is _how much_ to purchase. — Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase enough to pay off a home mortgage or other major bill. And some stick to the… — Aug 8, 2017](/blog/2017/life-insurance-how-much-need)

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