Tom's Blog

Running your business includes many variables such as advertising, branding, making appointments with vendors and customers, scheduling employees, and promoting strong work ethics among employees; however, not focusing on the type of insurance your business needs to secure its financial foundation and success can be disastrous. Being unaware of the importance of business interruption coverage may mean the difference between the doors being open or closing down. What is Business Interruption Coverage?  This type of coverage is one of the most important coverage options available to you as a business owner and should never be overlooked when insuring your business. It is designed to protect your business from loss of income when a covered peril [...]

As a restaurant owner, there are many obligations and responsibilities associated with your type of business so staying on top of these is imperative to the success of your restaurant. However, sometimes, things go wrong and if you wait until AFTER that happens to worry, you may be faced with a restaurant shut down.  Do you understand the business insurance for your N.C. restaurant? Preparation is Protection  Take a moment to consider this situation at your restaurant. What if your business experiences a power outage that lasts for days, resulting in spoilage of your entire food inventory?  Without food, you can’t service customers and now you are faced with a restaurant shut down until the [...]

As a contractor, you accept jobs daily and your goal is to not only satisfy your customer(s), but to also build your business and reputation. However, with any type of contractor work, you can count on mistakes happening and customers’ complaints developing. Are you prepared to handle the potential situation of a simple customer complaint turning into a very costly legal dispute? If not, you need to find out more about Contractors Errors and Omissions Coverage. What is E & O Coverage?  Every contractor needs to be aware that the typical N.C. General Liability commercial policy excludes these kinds of business conflicts, which can turn into a financial nightmare costing thousands of dollars if you [...]

If you are own a dental office/building, you know there are many aspects of it that need to be adequately safeguarded from the numerous risks that present themselves. Whether it’s your office building, high tech dental machinery, patients’ medical records, or computers, you need to have the right type of business insurance for your dental office, so you will have the insurance protection you need to ensure the peace of mind you deserve. Imagine… Suppose you have a new patient that needs a filling and the numbing procedure is administered. This particular patient has a negative reaction and breaks out into a rash, experiences difficulty in breathing, vomiting, and seizures. After undergoing medical treatment, your [...]