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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

Insurance Coverage Options for Your Specific Trucking Needs

If you are in the trucking or transportation industry, you know the importance of having insurance that offers much needed protection for so many various situations. The damages caused by trucking accidents can be exorbitant so having the right type of insurance coverage is something that must be routinely evaluated to ensure you have the insurance coverage options for your specific trucking needs. If not, you could be faced with a devastatingly problematic situation if you are involved in a catastrophic accident only to find there are coverage gaps. Perhaps you are in the trucking industry and have been faced with some financial challenges in the last year. Because of the financial strain, you decide [...]

Insurance Coverage Options for Your Specific Trucking Needs2018-10-27T11:39:14-05:00

Safety Tips to Avoid a Deer Collision

The season is upon us once again; deer season that is. Summer has come to a close and the days have become shorter and darker, which means deer come out more frequently, resulting in a spike in auto accidents. You may have noticed signs along the roadways indicating deer may be crossing, but do you know what to do if you encounter a deer along the roadway? Knowing safety tips to avoid a deer collision can reduce the likelihood of being involved in an auto accident with a deer. This Scenario Happens Frequently The sun is setting as you drive home from work along a heavily wooded highway and as you come around a curve, [...]

Safety Tips to Avoid a Deer Collision2018-10-22T17:33:24-05:00

Beware of Roofing Scams

Your roof is a crucial component of your home and if you have ever experienced a leaking roof, you know you must act quickly before the damages worsen, but if you are a homeowner that has been a victim of storm damages or just simply need a new roof, don’t fall victim to certain roofing scams that are becoming more prevalent. Before you open your door to the next salesman, beware of roofing scams that could be financially devastating and could leave your roof and wallet worse than before. Scammers Can Create Their Own Hurricane of Damages This type of scenario happens all the time. A hurricane hits a specified area producing catastrophic damages to [...]

Beware of Roofing Scams2018-10-14T15:22:05-05:00

7 Losses Usually Not Covered by Homeowners Insurance

When searching for homes to purchase, you most likely took the time to determine where you wanted to live, along with the amenities that each home offered, until you found one that fit your criteria.  However, when it came to choosing your homeowners insurance coverage, did you take the time to find the type of homeowners insurance coverage that fit your specific needs pertaining to your home and budget?  Not all homeowners policies are built the same.  If fact, there are 7 losses usually not covered by homeowners insurance, of which you may not be aware. A typical N.C. homeowners insurance policy has many policy provisions, conditions, and exclusions of which you need to be [...]

7 Losses Usually Not Covered by Homeowners Insurance2018-10-09T17:44:46-05:00

4 Important Homeowners Insurance Coverages You May Not Have

One thing you must know when you are looking for N.C. homeowners insurance coverage is that not all homeowners insurance policies are built the same. While many advertisers claim to have the cheapest price around, those cheaper policies may also leave you with the most coverage gaps in your coverage, potentially leaving you responsible for out of pocket expenses. Before you sign on the dotted line for your homeowners insurance, make sure you know 4 important homeowners insurance coverages you may not have, but should consider. Utility Line Insurance Coverage- If you experience a water/sewer pipe break that results in damages to your home, your typical N.C. homeowners insurance policy would exclude coverage for this; [...]

4 Important Homeowners Insurance Coverages You May Not Have2018-10-02T16:10:38-05:00

To Keep Your Insurance Premiums Affordable, You Need to Know How to Control Your Losses

As a business owner, you know adequate protection must be in place in order to protect everything you have worked so hard to build. Business insurance is a must for that protection, but in order to keep your insurance premiums affordable, you need to know how to control your losses. Keep in mind that insurance is designed for catastrophic loss protection for your business and not for maintenance protection. Frequency Predicts Future Loss Potential  Suppose you are a small business owner and have had several slip and falls on your property, resulting in injuries that prompted claims. As an outcome, a red flag may be acknowledged by your insurer, which could result in higher premiums [...]

To Keep Your Insurance Premiums Affordable, You Need to Know How to Control Your Losses2018-09-25T09:07:44-05:00

Before You Say “Yes”, Find Out If That Non-Profit Has Directors and Officers (D&O) Insurance

If you have even been asked to serve as a board member for a Non-Profit Organization, you may consider how your participation in the many executive decisions could reinforce the success of the Non-Profit or improve areas that you feel need attention, but have you considered the legal challenges you may face if that Non-Profit organization does not have the right insurance in place? Before you say “yes”, find out if that Non-Profit has Directors and Officers (D&O) Insurance. What is Directors and Officers (D&O) Insurance?  This type of insurance is typically purchased by the company itself and is designed to protect the directors and officers/executives from claims that may arise brought by employees, customers, [...]

Before You Say “Yes”, Find Out If That Non-Profit Has Directors and Officers (D&O) Insurance2018-09-17T17:11:06-05:00

Business Insurance for Your Chiropractic Office

As a chiropractor running your own business, you know the many risks your profession faces, but do you have the right type of business insurance to minimize those risks? As a small business owner, you can anticipate many scenarios happening that may include equipment breakdown, cyber attacks, a client getting injured on your property, or an employee claim citing discrimination. If not protected with the right type of business insurance for your chiropractic office, these types of claims can wreak havoc on your financial security and business. Are You Protected When an Accident Happens? Your profession as a chiropractor comes with its unique share of inherent risks so you must be prepared to handle losses [...]

Business Insurance for Your Chiropractic Office2018-09-12T09:14:39-05:00

Life Insurance Isn’t for You; It’s for Those You Love

In the blink of an eye, tragedy can strike without warning, and suddenly your family is mourning the loss of you, the breadwinner. You have provided for your family for years and worked hard to establish a comfortable life for them, but without you, your family may be left wondering how they will continue on financially. Nobody likes to contemplate life without his or her loved ones, but you must consider putting a life insurance policy in place in order to preserve a comfortable life for your family, should something devastating happen to you. Life insurance isn’t for you; it’s for those you love. Some Considerations Relative to Life Insurance  Imagine this happening to your [...]

Life Insurance Isn’t for You; It’s for Those You Love2018-08-11T07:51:03-05:00

Tips to Saving Money on Your Homeowners Insurance

Today, everything seems to cost more, from gasoline, home costs, and even your homeowners insurance. In fact, homeowners insurance rates in the U.S. have doubled in the last 20 years and even though as a homeowner you can’t afford NOT to have it, there are tips to saving money on your homeowners insurance. Bundle your home and auto policies- Typically, when you bundle 2 or more policies under the same insurance carrier, you are eligible for a substantial discount. Choose a higher deductible- Consider the highest deductible you could possible absorb “out of pocket” if a covered loss happened. If you choose a higher deductible, it could mean significant savings. Let your local N.C. independent [...]

Tips to Saving Money on Your Homeowners Insurance2018-08-11T07:39:36-05:00
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