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Tom Wiecek is your local Dave Ramsey ELP Endorsed Insurance ProviderTom's Blog

"That's Not Covered" are the Last Words You want to Hear. That's Why We Want to Help You Understand How You Are Protected and Not Protected. This Resource Can Help You Make Informed Insurance Buying Decisions So YOu Can Get the RIGHT Insurance Protection for Your Needs.

Tom Wiecek, President

Using a Buy-Sell Agreement to Perpetuate Your Business After You Are Gone

When you start your dream business, you typically don’t think of all the possibilities of what could happen to your business, but you should. Obviously insuring your business for unfortunate incidents is vital to the success of your business; but have you considered what may happen if you jointly own the business and something happens to you or your business partner? Using a Buy-Sell agreement to perpetuate your business after you are gone is something you may want to consider if you want your dream business to continue. What is a Buy-Sell Agreement? A Buy-Sell Agreement is a legally bound contract between the owners of a business that outlines how the business will continue when [...]

Using a Buy-Sell Agreement to Perpetuate Your Business After You Are Gone2018-05-24T19:03:04-05:00

Certificate of Insurance Versus Additional Insured

In order to protect your business properly, you must have business insurance, but do you understand every aspect regarding your business and the protection it deserves? You may hear two terms that coincide quite frequently, but making sure you understand the difference between the two is imperative should something unfortunate happen. If you are a business owner, knowing the key differences between “certificate of insurance” versus “additional insured” is essential to keeping your business in tact. What is a Certificate of Insurance? Simply put, a certificate of insurance is a document that proves there is an insurance policy that is in effect for that particular business. Before any job starts, it is always recommended that [...]

Certificate of Insurance Versus Additional Insured2018-05-18T18:22:09-05:00

Does Your Homeowners Insurance Cover Damage Caused from Animals and Pests?

Owning a home means insects, animals, rodents, or vermin may take up residence in your home rent free, causing damages that could be extensive. Ants, bees, raccoons, mice and many other “uninvited” creatures are always looking for entry into a place that is warm and protected and this place may be YOUR home, but does your homeowners insurance cover damage caused from animals and pests? Pesky Problems Imagine lying in bed one night and hearing scratching and squeaking noises in the wall next to your bed. Eyes wide open, you are terrified to discover there are mice living in your wall. You start investigating to find some electrical wires that appear to be gnawed upon [...]

Does Your Homeowners Insurance Cover Damage Caused from Animals and Pests?2018-05-07T09:18:06-05:00

What You Should Know About Insuring Classic Cars

If you are one of those people that loves the hunt for that perfect antique car or has decided to rebuild that limited edition car sitting in your garage, then you know how much fun, passion, and time is involved. At the same time you know that any protection needed/required for these special antique collection cars is anything but ordinary. Extraordinary cars require extraordinary protection so before you take your vintage baby out for a spin, there are some things you should know about insuring classic cars. Old Doesn’t Always Mean Classic Not every “old” car is considered classic, antique or vintage; however if your car is 25-30 years old with a value that is [...]

What You Should Know About Insuring Classic Cars2018-05-07T09:04:47-05:00

Why is My N.C. Car Insurance Bill Increasing?

You may have heard about car insurance rates on the rise, but most likely you have seen or will see in the near future that when you open your renewal bill, you will see a spike in your N.C. car insurance bill and you may be asking yourself, "Why is my N.C. car insurance bill increasing?"  Many people are confused especially if there have been no accidents, tickets, or changes in their coverage yet still experience a rate increase for their N.C. car insurance. Some Common Reasons for Car Insurance Rates Increases  Accidents, Speeding Tickets, Driving with License Revoked  This simple reason may be obvious, but if you have been involved in chargeable accidents, received [...]

Why is My N.C. Car Insurance Bill Increasing?2018-05-04T07:00:41-05:00

What You May Not Know About Car Insurance

You may realize that if you own a car, it is legally mandated that you have insurance on the car, but do you know all there is to know about car insurance? It may seem simplistic that if you get into an accident, your insurance will most likely apply to cover damages, but is it really that simple? What you may not know about car insurance is that it doesn’t have to be complicated, but with the help of your local N.C. independent insurance agent, you can fully understand the process of purchasing the right type of auto insurance for your needs and the filing of auto insurance claims should an accident occur. Some Questions [...]

What You May Not Know About Car Insurance2018-05-04T06:58:41-05:00

How to Avoid Products and Liquor Liability Losses for Restaurants

If you are in the restaurant business, you know the rewards can be plentiful, but so are the risks. In fact, two of the biggest risks in the restaurant business include foodborne illnesses and the serving of alcohol. When you open your restaurant for patrons, you run the risk of exposing them to foodborne illness if you don’t practice safe food handling and storage procedures, so in order to protect your restaurant, the patrons, and your assets, you must be aware of how to avoid products and liquor liability losses for restaurants. 1 in 6 Americans Get Sick From Foodborne Illnesses  While that may sound like a high statistic, it may also surprise you that [...]

How to Avoid Products and Liquor Liability Losses for Restaurants2018-05-04T06:56:50-05:00

What is the Best Vehicle for Your Teen Driver?

It seems like just yesterday that your child was merely a child, but now he/she is old enough to drive and the search for the right type of car begins. Your teen driver may only be concerned with the color, body style, or horsepower, but safety is one thing that needs to be explored before any type of car is purchased. When shopping for cars, do you know what is the best vehicle for your teen driver? The Insurance Institute for Highway Safety (IIHS) puts out a yearly list of new vehicle safety ratings with the safest cars earning the Top Safety Pick+ and the next tier of safe vehicles ranked as Top Safety Pick. [...]

What is the Best Vehicle for Your Teen Driver?2018-05-04T06:52:58-05:00

Umbrella Insurance Offers Low Cost Asset Protection

You may have heard how life can change in the blink of an eye, but you probably don’t anticipate monumental life changes happening to you. One thing of which you can be assured is that sometimes unexpected situations can strike in enormous ways, stripping you of your financial security and leaving you in financial ruins if you don’t have the right type of insurance protection to safeguard your assets. Are you aware that umbrella insurance offers low cost asset protection so you won’t get soaked financially? What is Umbrella Insurance?  Umbrella insurance, otherwise known as excess liability insurance, is coverage that is designed to provide protection above and beyond what is exhausted under the liability [...]

Umbrella Insurance Offers Low Cost Asset Protection2018-05-04T06:50:40-05:00

Are Your Valuables Covered?

Receiving a gift of jewelry or being handed down a rare coin collection from your uncle is priceless; however, if something happens to these valuable pieces, from theft or loss, you could be left with a costly price tag if you don’t have the right type of coverage to protect your valuables. Are your valuables covered? This Happens All the Time You go on vacation, but decide to leave your irreplaceable, expensive jewelry pieces at home because you are afraid of either losing them or having them stolen. When you return home, you find that your home has been broken into, ransacked, and ALL of your jewelry stolen! Your diamond anniversary ring, grandmother’s emerald necklace, [...]

Are Your Valuables Covered?2018-05-04T06:48:34-05:00
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