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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 College Student

Summer is coming to a close and that means you may be sending your child off to college. Going away to college can be exciting and momentous, but at the same time, can cause stress. Making a checklist of all the items, such as laptops, bedding, books, and personal possessions is a must, but so are insurance coverage options for your college student. Going off to college has insurance repercussions that must be addressed in order to ensure you and your child has the right type of protection in place as he/she begins their new life at college. The good news is that if your college age child is under the age of 24, enrolled [...]

Insurance Coverage Options for Your College Student2018-08-11T07:23:13-05:00

Some Common Car Insurance Endorsements

You may think that if you are in a car accident and your car is damaged or totaled that your car insurance will pay the claim, right? Well, yes, car insurance can provide coverage for covered losses to your car, but some stipulations/exclusions may apply which could impede payment for the damage to your car. Purchasing a one-size fits all car insurance policy may not fit your particular needs, so you need to consider some common car insurance endorsements and how they may fit your budget and suit your needs. Car Insurance Endorsements  An endorsement is basically an “add-on” to your existing car insurance policy that amends your policy to either add or take away [...]

Some Common Car Insurance Endorsements2018-08-11T06:55:29-05:00

How to Get the Right Insurance for Your Boat

There is nothing like being out on the water in a boat, enjoying the fun in the sun and the wind in your hair, but regardless of what time of boat you may own, there are some rules, procedures, and regulations to which you must adhere in order to maintain safety on the water. Boat insurance is another issue that must be addressed and maintained BEFORE you can even put your boat in the lake, water, or ocean, but this is an issue that we can handle for you. Our N.C. independent insurance agents are boat lovers as well, and have been insuring boats since 1994, so we know how to get the right insurance [...]

How to Get the Right Insurance for Your Boat2018-07-23T11:12:14-05:00

Is Pet Insurance a Wise Decision?

Your pet is your family so making sure your family pet is cared for medically in the case of an emergency makes sense, right? There are different beliefs on whether pet insurance is a good idea, so you must ask yourself “Is pet insurance a wise decision?” Only you can answer that question to determine whether it’s worth the peace of mind should something serious happen to your pet. Pets Are Unpredictable Dogs are notorious for swallowing objects, such as a tennis ball, socks, rocks, or the squeaker in their toys. If a large object like that is swallowed, the only way to remove it is through surgery, which can run thousands of dollars. Imagine [...]

Is Pet Insurance a Wise Decision?2018-07-16T17:02:15-05:00

The Most Overlooked Coverage Options for Contractors

All businesses are faced with certain risks that may negatively impact its growth, should disaster strike. As a contractor, you have worked diligently and invested time, money, and skill to warrant your business’ success, so isn’t it just as important to have the right type of business insurance in place to minimize those risks that are especially prevalent to your contracting business? A standard N.C. business owners insurance policy will provide protection for covered losses, but you may need to consider the certain exclusions that may apply that could leave you with coverage gaps. Find out the most often overlooked coverage options for contractors that you may not have considered, but may need. Fill the [...]

The Most Overlooked Coverage Options for Contractors2018-07-16T08:19:53-05:00

How to Save Money on Car Insurance as Your Car Ages

It didn’t seem that long ago that you purchased your new car, but suddenly you realize that your car is now considered an older new car, so it may be time to reconsider the auto insurance that covers it. When you drove your car off the lot, it made sense to purchase full auto coverage, but now may realize you could be paying for some coverage options you no longer need. Find out how to save money as your car ages and make sure you contact your local N.C. independent insurance agent to inquire what car insurance options you could possibly cancel. Necessary Coverage Vs. Optional Coverage  N.C. mandates that if you own and operate [...]

How to Save Money on Car Insurance as Your Car Ages2018-07-03T08:08:22-05:00

Train Your Fleet Drivers How to Handle an Accident

If you have a business where you utilize fleet drivers, you realize how important driving safety is for your business, the drivers, and anyone else driving on the highways. Accidents involving fleet cars/trucks cost businesses millions of dollars every year so it is important to train your fleet drivers how to handle an accident when and if it happens. Having a plan in place BEFORE an accident happens can help promote safety on the road, increase the driver’s awareness to document information at the accident scene, and in turn, reduce the likelihood of similar accidents down the road. When an accident happens, it is normal for drivers to become flustered and anxious, but it is [...]

Train Your Fleet Drivers How to Handle an Accident2018-06-18T16:53:51-05:00

7 Tips for Hiring Safe Drivers for Your Business

Your business depends on your drivers for many things, including the success of your business; but what if you hired someone to be a driver and found out they were not following appropriate safety measures when operating one of your fleet vehicles? Failing to hire safe drivers for your business can cost you your business if you aren’t careful. Before you hire your next driver, recognize 7 tips for hiring safe drivers for your business. Keep in mind there are many different situations where a driver for your business may operate. Sometimes, the driver may be a full time driver, while other times, you may have someone who works for you only drive randomly for [...]

7 Tips for Hiring Safe Drivers for Your Business2018-06-11T18:14:44-05:00

Protect Your Business Against Risks Often Overlooked

Your business is your livelihood so the protection your business deserves must be solid.  Regardless of how safe you are, adversity can strike at any given moment and when it does, you need to know that you have the right type of business insurance in place to safeguard your business and assets. Simply having a business insurance policy is not enough; you must make sure you have a custom built insurance policy designed to protect your business against risks often overlooked. Because your business is unique and diverse, there are many coverage options available to shield your business from common risks that are characteristic of your business. Some Common Types of Optional Coverage Endorsements That [...]

Protect Your Business Against Risks Often Overlooked2018-06-11T18:02:13-05:00

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
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