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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

The Top 3 Reasons You Need Life Insurance

You read about life insurance, you hear about it, and you most certainly see ads for it and the consensus is, YOU NEED LIFE INSURANCE, but do you really know much about life insurance and do you actually need it? Before you sit down with your N.C. independent insurance agent, you need to find out the top 3 reasons you need life insurance. Life Can Be Short So Think Long Term The thought of being invincible can be comforting, but in actuality, it is not realistic and within a blink of an eye, your life can end. Imagine that you have a wife and 2 children who depend on you financially and suddenly your life [...]

The Top 3 Reasons You Need Life Insurance2017-10-11T20:35:48-05:00

Do’s and Don’ts if You Get Pulled Over by Police

It seems almost every day there is news of somebody getting pulled over by a police officer and how it all went wrong. If you have ever experienced being pulled over, you KNOW the feeling of panic, or even anger, but there are some very important Do’s and Don’ts if you get pulled over by police that will reduce this panic and keep everyone safe. A routine traffic stop can end up being very dangerous if you are not careful. Below are some basic tips to promote safety for you, the officer, and others that are in the area: DO safely pull off the road to a secure location, which may be a parking lot [...]

Do’s and Don’ts if You Get Pulled Over by Police2017-10-11T20:32:57-05:00

Are Your N.C. Auto Liability Insurance Limits Right for You?

The state mandates that if you own a vehicle, you must have insurance to protect that vehicle. Your N.C. auto insurance policy is designed to provide protection against the many risks that surround owning and operating a vehicle. Keep in mind that each and every time you get behind the wheel, you run the risk of causing an accident. Are YOUR N.C. auto liability insurance limits right for you? The Purpose of Auto Liability Insurance Imagine you are on your way to work, consumed with the many daily tasks you have in front of you, when you fail to see the red light and cause an accident, which injures several people and causes significant damage [...]

Are Your N.C. Auto Liability Insurance Limits Right for You?2017-10-11T20:31:47-05:00

What to Do After a Business Insurance Loss

A few minutes is all it takes for wind, fire or water to cause significant damage to your business property, but if you are equipped to handle the aftermath, your business can be up and running again in no time. Working hard to establish your business is a priority and so should the insurance that protects that business. Having the right type of N.C business insurance BEFORE an insurance loss happens is fundamental, but knowing what to do AFTER a business insurance loss is just as important. Some Basic Tips to Follow After a Business Insurance Loss  Suppose your N.C. business suffers major damages as a result of a fire due to an electrical malfunction [...]

What to Do After a Business Insurance Loss2017-10-11T20:30:52-05:00

The Importance of Business Income Coverage

You have worked hard to establish your business and feel assured you have the right type of insurance coverage to protect your building, personal property and business autos, but do you have ALL of the appropriate needed coverage to protect your business should disaster strike?  Imagine your business suffers significant damage due to a fire, resulting in the doors being closed for business for an estimated 6 months while the restoration is being done.  Will your current business coverage provide compensation for all of the lost income? Knowing the importance of business income coverage is vital if you want to keep your business afloat when a covered loss causes destruction to your N.C. business. What [...]

The Importance of Business Income Coverage2017-10-11T20:20:00-05:00

How to Avoid Loss of Income Due to Equipment Breakdown

No matter what type of business you own, you utilize various types of equipment and at any given time, they could fail to work.  Would you know what to do if any piece of that equipment were to break down?  When you run a business, you can expect unfortunate events to occur, but when they do, knowing how to avoid loss of income due to equipment breakdown is imperative if you want your N.C. business to prevail. Expect the Unexpected Imagine you are the owner of a high-rise apartment building that houses elderly residents when the A/C motor malfunctioned, resulting in excess of 92-degree temperatures.  As a result of this equipment failure, many “spot coolers” [...]

How to Avoid Loss of Income Due to Equipment Breakdown2017-10-12T00:01:09-05:00

The Ugly Truth About Making Insurance Claims

The word “insurance” can mean lots of things to many different people with the meaning interpreted as either a positive or a negative. The truth is that “insurance” has BOTH positive and negative qualities, but sometimes the ugly truth about making insurance claims remains this dirty little secret and this secret needs to be exposed. Should You Turn in A Claim? Imagine being on vacation when someone vandalizes your car resulting in approximately $1500 worth of damages. You immediately notify your car insurance agent who advises that your deductible is $1000 and from there the claim is turned over to your auto insurance company for handling. Should you have turned in that claim given that [...]

The Ugly Truth About Making Insurance Claims2018-04-26T00:45:38-05:00

Must Have Insurance Coverage Options for Painting Contractors

Your painting business means a lot, which is why you have worked hard to establish it. With any business, there are inherent risks involved that could totally destroy it, leaving you financially in ruins. Without the right painting contractor insurance, you may be only one fall away from having to close up shop. Whether you run a large company with many employees or are a one-man operation, there are must have insurance coverage options for painting contractors just like you of which you need to be aware. Unfortunate Events Can Happen In the blink of an eye, unfortunate events can and will happen. Imagine you have a worker on a job site, painting on a [...]

Must Have Insurance Coverage Options for Painting Contractors2017-10-12T00:00:40-05:00

How Much Life Insurance Do You Need?

Living your life one day at a time sounds great in theory, but imagine if you are living your life one day and unexpectedly gone the next, leaving your wife and 2 small children on their own to pay all the expenses that you have been paying month in and out. How will your family survive financially if you are suddenly gone? If you have dependents it is important to have the right life insurance policy in place, but how much life insurance do you need? Some Factors To Consider When Determining Your Plan For Life Insurance These factors below include, but are not limited to: Future Expenses- This may include future education costs of [...]

How Much Life Insurance Do You Need?2017-10-12T00:00:24-05:00

Tips to Protect Your Home

Your home is your place of happiness and peace, but when something goes wrong, that solidarity goes right out the window along with potential financial loss if you don’t have the right N.C. homeowners insurance. While nobody wishes to experience a homeowners insurance claim, inevitably it can and will happen, which is why you have a homeowners policy to begin with. While losses can’t be entirely avoided, knowing tips to protect your home from loss can reduce the risk. Make Routine Checkups on Your Home Appliances Replace A/C filter and furnace filter regularly Vacuum A/C returns and supply regularly Have A/C coils cleaned and perform routine checkups on entire unit(s) Cut back trees and shrubbery [...]

Tips to Protect Your Home2017-10-12T00:00:14-05:00
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