5 Reasons We Love Christmas in Cleveland

Posted By Jay Toole
December 23, 2020 Category: General

While we dream of a white Christmas, we won't let the lack of snow stop us from enjoying all the exciting things happening around Cleveland. As a gem of the midwest, here are our top 5 things we love to do around the city. #1 WinterFest lights in Public Square Thousands of glowing bulbs light up every inch of downtown's Public Square. Fun to run through, walk through with your little kids, or even do a casual drive through. #2 Visit Bill Hixon for an Ornament Famous to many life-long locals, few outsiders know the history of Hixon's in Lakewood. Bill Hixon is known for his custom Christmas ornaments with many featuring scenes of the season or landmarks around northeast Ohio. He even designs beautiful ornaments that are on display at the White House! If you are lucky, you can even get this 92 year old legend to sign your bulb. #3 "You'll shoot your eye out." at the Christmas Story House Nestled away in Cleveland is the world famous Christmas Story House from the loveable tale of Ralphie, Red Ryder BB Guns, and the pink bunny suit. Give this a visit or sign up for the road race that will finish right at the house next December! #4 Christmas Ale. Christmas Ale Everywhere! Cleveland is known for its world-class beers. From Great Lakes Christmas Ale to Thirsty Dogs 12 Dogs Christmas Ale to the newest arrival of Masthead Brewing Co's Robot Santa's Christmas Ale, if you are a beer connoisseur or just a lover of all things delicios then y

When it Rains, It Pours - Personal Umbrella Policies

Posted By Jay Toole
March 03, 2020 Category: General

We get it - insurance is can be as confusing as reading a recipe your grandma wrote in 1960. You hear terms like limits, deductibles, premiums, exemptions, and more and it just feels like the dollar signs are piling up. However, at Graydon-Toole Group, we take a customer first approach. We represent over a dozen insurance carriers, but our loyalty lies with one person; you. So, when we review your needs and see you could greatly benefit from the protection from a Commercial or Personal Umbrella Policy, there is a reason {or three} why we recommend it. When it rains, it pours. And like the physical umbrella we all hold near and dear during a Summer storm, an Umbrella Policy is there to protect you when costs from a claim keep piling on. Reason #1 Added Protection: Personal Umbrellas are there to protect you where your homeowners or auto policy limits fall short. Should a claim cost more than the limits of your current policy, Reason #2 It’s cheap! A Personal Umbrella Policy for $1 million in extra coverage can be as little as $200 for an entire year. Reason #3 You don’t have to be a millionaire to have a $1 million personal umbrella policy. You don’t need to own a home, be married, have kids or be a certain age to have one. If you drive a car, cross a street or has people over to your home (either rented or owned), you may need this coverage. Even if someone is trespassing on your property, you could be liable for any injuries. This is just a quic

Carry on my wayward son, we'll keep you covered while you're at it.

Posted By Jay Toole
February 13, 2020 Category: General

Time flies and before you know it, you not-so-little-ones fly the coup and head off to college. While an exciting chapter of their life begins, with it comes a few new challenges to overcome.  Do you have a young adult heading off to college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. Insurance companies cover full-time students under age 25 in various ways. You’ll want to consult your agent at Graydon Toole Group with questions about your specific policy and situation. The 3 Basic Ways Your Student May Have Coverage: 1. As a percentage of the personal property limit on the parents’ homeowner policy. Many insurance companies consider campus housing a secondary residence for the student and may cover your student’s possessions as a percentage of the personal property limit on your homeowner policy – personal property means items you can remove from your home or premises. For example, if you have $75,000 in personal property coverage, your student may have 10 percent of that, or up to $7,500, in coverage for belongings taken to school. Liability coverage – which insures legal liability for bodily injury or property damage to others – may not be included. 2. As part of the personal property limit included in the parents’ homeowner policy. Some insurance comp

What to do if you were in a car accident

Posted By Jay Toole
July 10, 2017 Category: General

Car accidents are scary and emotional for everyone involved. However it is critical to keep a calm and level head so that the whole ordeal can be run a lot smoother. Here is a complete check list of what to do in the case of a car accident: If possible, move the vehicle to a safe area If the vehicle can still drive, move it off to the side of the road into a safe location. This can include a parking lot, the shoulder of the road, or any area out of the line of traffic. If the car cannot be moved, turn on your hazard lights to alert drivers you are not able to move anywhere. Turn off vehicle and get out If you are not seriously injured and can safely move, turn off the vehicle, take a big, deep breath, do a quick inspection of the vehicle to make sure it is safe to exit, and get out. If you have safety signage or flairs, remove them from the car and place them in way to alert other drivers of the accident. Check with the other passengers and drivers Make sure all parties involved in the accident are safe and not in any life-threatening situations. In the case of a serious injury, call 911 immediately. No one needs to be a ‘hero’ and anyone who is suffering from dizziness or related ailments should be inspected by a medical professional. Call the police and inform them of your location Even with minor incidents, a police report can be vital when dealing with you car insurance company and other drivers involved. Cooperate fully and respectfully, but it is ad

New Name. Same Great Service.

Posted By Jay Toole
February 16, 2017 Category: General, Insure, Logo, About Us

Grayon-Toole Group was not born overnight. In fact, we are over eight decades in the making. We started with humble beginnings in the 30's, pushing paper and providing insurance services to the city of Cleveland. This was before fancy software, nearly instant quotes, or even the internet. Even in writing this blog post we became interested in seeing what a 1930's office might look like.(Give yourself the treat of looking at these photos from the office space of this decade.)Technology will always continue to change, automate, and simplify our lives though there is one thing that it will never replace- the trust and bond that takes place with face-to-face contact and a trusting relationship. This has been our focus since our founding- embrassing technology while maintaining a strong and loyal relationship with our clients. So while you will now know us as the Graydon Toole Group, an insurance firm focused on getting you the best coverage for the best price, know that we will not stray from our roots of providing exceptional services everyday. Coming summer of 2017, we will be upgrading our office and moving to a new building allowing us to hire more staff and be a greater part of the community we