In carpentry and general contracting, precision and craftsmanship are at the core of every successful project. Whether you're framing homes, remodeling interiors, or leading large-scale construction jobs, your daily work involves physical labor, costly equipment, client coordination, and high expectations.
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But even the most experienced professionals aren’t immune to risk — from job site injuries to accidental property damage or disputes over workmanship. That’s why having the right insurance coverage isn’t just a good idea — it’s essential to protect your business, your crew, and your reputation.

Even the most experienced professionals can make mistakes — and in today’s fast-paced, high-stakes service industries, one oversight can have costly consequences. Whether you’re an accountant, consultant, architect, IT provider, or real estate agent, your clients rely on your expertise. But what happens if an error, omission, or miscommunication leads to financial loss for a client? That’s where Errors and Omissions (E&O) insurance comes in.
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E&O insurance is a vital safeguard that helps protect professionals from legal and financial fallout stemming from mistakes or negligence in the services they provide. It’s not about expecting failure — it’s about being prepared for the unexpected.

​Your roof and gutters are your home’s first line of defense against the elements. From heavy rain and hail to high winds and snow, they protect your home’s structure, interior, and foundation. But like any system, they require regular upkeep to do their job properly. Neglected roofs and clogged gutters are among the top causes of costly water damage, mold growth, and structural problems — all of which can be avoided with a little preventive care.

​Starting college often comes with new independence — managing your own schedule, making big decisions, and for many, having access to a car for the first time. Whether it’s for commuting to campus, working a part-time job, or weekend road trips, driving brings valuable freedom. But that freedom also comes with responsibility — especially when it comes to safety, preparedness, and having the right auto insurance coverage.

As part of our continued commitment to delivering exceptional service and expertise, Desmond Insurance is thrilled to welcome three outstanding professionals to our growing team.
 
These additions reflect not only the growth of our company, but also our dedication to enhancing the customer experience through personalized service, expanded expertise, and a deeper connection to our community.
 
Ben Pendery joins us as the new leader of our Business Insurance segment. With a strong foundation in small business operations, most recently with Pendery Insurance, Ben brings both insight and passion to his role. His commitment to helping businesses thrive makes him an ideal partner for clients seeking tailored insurance solutions. A respected community leader, Ben serves on the Fort Thomas City Council and brings the same level of care and attention to his clients that he does to his constituents. His leadership will strengthen our ability to support businesses across the region with the protection and guidance they need to succeed.
 
Joining Ben on the Business Insurance team is Brady Walz, a Business Insurance Sales Agent and proud fifth-generation member of the Desmond Insurance family. A graduate of the University of Louisville with a degree in Sports Administration, Brady gained leadership and teamwork experience during his four years as a Women’s Basketball Manager, including the team’s memorable trip to the 2022 Final Four. He also brings a decade of entrepreneurial experience from running his own lawn care business, where he developed a customer-first mindset and a deep understanding of small business needs. Brady is a 2019 graduate of Highlands High School and brings a fresh perspective, energy, and dedication to helping businesses find the right insurance solutions.
 
Bob Fleckenstein comes aboard as a Local Medicare Advisor, bringing with him more than 30 years of experience in financial services and client advising. His deep knowledge of retirement planning, combined with a genuine desire to help others, makes him an ideal guide for those navigating the complexities of Medicare. Bob’s thoughtful, client-centered approach ensures that individuals can enter retirement with confidence, knowing they’ve selected the plan that’s right for them.
 
At Desmond Insurance, we believe that the strength of our team directly impacts the quality of service we provide. The addition of Ben, Brady, and Bob enhances our capabilities and reflects our commitment to meeting the evolving needs of our customers.
 
Please join us in warmly welcoming them to the Desmond Insurance family. We’re excited for what lies ahead and look forward to continuing to serve you with excellence.

Contact Us for a Consultation Today!
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Ben Pendery
[email protected]
859-491-5100
 
Brady Walz
[email protected]
859-491-5100
 
Bob Fleckenstein
[email protected]
859-491-5100

At Desmond Insurance, we have always taken pride in being your trusted resource for your insurance needs—and can continue to assist with Medicare too.
 
We have licensed Life & Health insurance professional Bob Fleckenstein here to support you as you approach, or continue navigating, Medicare. Whether you are newly eligible or looking to make a change, we can help simplify the process, answer your questions, and guide you to a plan that fits your health needs and budget.

The hospitality industry has always been centered around providing excellent customer service, comfort, and convenience. However, as technology continues to evolve, it has become an integral part of the guest experience. Hotels are embracing innovations that streamline operations, enhance guest satisfaction, and create a competitive edge in a highly saturated market. From check-in automation to personalized room experiences, technology is revolutionizing the way hotels operate and engage with guests.
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In this blog, we’ll explore how the latest technological advancements are reshaping the hospitality industry, helping hotels stay ahead of the competition, and improving both operational efficiency and guest experience.

Entrepreneurship is often portrayed as a journey of calculated risks, strategic decisions, and data-driven outcomes. While all of these factors are undeniably important, there is one ingredient that many successful entrepreneurs rely on, and it’s not always measurable or quantifiable: intuition. The ability to trust your gut and make decisions based on a deep-seated understanding of your business and market can be a secret weapon that sets apart successful entrepreneurs from the rest.
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In this blog, we’ll explore the role of intuition in business, how it influences decision-making, and why it can be a crucial factor in entrepreneurial success. We'll also discuss how entrepreneurs can develop and harness their intuition to guide them through complex decisions.

Home insurance is an essential safeguard for homeowners, but misconceptions about coverage can lead to costly surprises.
 
In 2025, the national average cost of a home insurance policy with a $300,000 dwelling limit is approximately $2,304 per year, or around $192 per month. However, many factors—such as location, home age and size, deductibles, policy limits, and the cost of building materials—can influence your premium.
 
To help you better understand what your policy does and doesn’t cover, we’re breaking down ten common home insurance myths.

Homeownership comes with its fair share of responsibilities, and one of the most important is ensuring your home is properly protected against unforeseen incidents. While having home insurance is essential for safeguarding your property, understanding the most common home insurance claims and how to prevent them can help you avoid significant financial losses and maintain peace of mind.
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In this blog, we’ll discuss the most frequent home insurance claims, what causes them, and, most importantly, how you can take proactive steps to prevent them. Whether you’re a new homeowner or looking to reevaluate your existing coverage, these tips will help reduce your risk and ensure your home remains safe.