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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

Common Misconceptions Surrounding Life Insurance

Common Misconceptions Surrounding Life Insurance You may not think about acquiring life insurance until later in life, but if you're in good health, now might be the best time to consider it. If you have a family or anyone who depends on you financially, life insurance becomes essential for their well-being should something unexpected happen to you. Before you purchase life insurance, it's important to address some common misconceptions surrounding this type of protection. Remember, life insurance is meant to benefit your loved ones, not just you. It offers peace of mind, knowing that if something happens to you, your family can maintain their current financial lifestyle. Protecting those who depend on you covers much [...]

Common Misconceptions Surrounding Life Insurance2024-08-22T13:03:04-05:00

Essential Trucking Insurance Tips for New Ventures: Protect Your Startup on the Road

Trucking Insurance for New Ventures The truck driving industry carries inherent risks, especially for new venture drivers. Finding the right type of trucking insurance for new ventures might seem expensive and complicated, but it doesn’t have to be if you understand some important facts about securing coverage for your startup trucking company. Finding Insurance Doesn’t Have to be a Long Haul Traveling long distances on the roadways while hauling extensive cargo is your livelihood. However, this profession comes with dangers, which is why you are required to carry commercial trucking liability insurance. Truck driving too often results in fatalities, causing financial and emotional devastation, especially if you are not adequately insured. Finding affordable trucking insurance [...]

Essential Trucking Insurance Tips for New Ventures: Protect Your Startup on the Road2024-08-15T10:50:47-05:00

Your Flood Risk Is on the Rise

Your Flood Risk Is on the Rise You might think that living inland means you don't need to worry about flood damage, but that's a misconception. Over 25% of flood claims come from homes in low-to-moderate flood risk areas. No matter where you live, your flood risk is increasing. Protect your home with flood insurance; without the right coverage, flooding could damage your home and deplete your finances.   Don’t Get Financially Soaked North Carolina frequently experiences severe weather, including hurricanes, tornadoes, and violent storms. However, many people are unaware that flooding can happen anywhere, even if you live far from the water. Without proper insurance for flood damages, you could face significant financial losses. [...]

Your Flood Risk Is on the Rise2024-08-15T10:24:41-05:00

Consider Business Crime Insurance Today

Consider Business Crime Insurance Today  As a business owner, you know that your business needs and deserves the right insurance protection. But have you considered more than just protecting your building structure and its contents? Every day, your business might be losing money due to business crimes, which is why you need to consider business crime insurance today. Businesses, whether big or small, are targets of crimes from both outside sources and their own employees. However, small businesses seem to be bigger targets for embezzlement than larger ones. Smaller businesses often operate like “one big happy family” until you discover that someone in the “family” has been embezzling money right under your nose. In fact, [...]

Consider Business Crime Insurance Today2024-08-12T09:52:38-05:00

Loaning Your Car- A Good Idea?

Loaning Your Car- A Good Idea?  Loaning your car - a good idea? It seems harmless enough to hand your keys over to someone who asks to use your car until an auto accident occurs. That's when the confusion sets in, and you may reconsider whether that was a good idea after all. If you aren't clear on the coverage issues that may arise when someone else drives your car, you may want to read on. Assume for a moment that a friend or neighbor asks to use your car for the day to pick up children from school and run a few errands. If that person causes an auto accident you may not realize [...]

Loaning Your Car- A Good Idea?2024-08-01T13:40:13-05:00

Difference Between Occurrence Versus Claims-Made Insurance

Difference Between Occurrence Versus Claims-Made Insurance As a business owner, you know the importance of having the right business insurance protection, but understanding the different types of insurance can be confusing. Before you invest in any type of business insurance protection, it is essential to know the difference between occurrence and claims-made insurance so you can get the type of insurance that best suits your business needs at an affordable rate. What Are Your Business Needs? Each business is different, so the type of insurance that best suits your needs may differ from the next business owner. Some of the biggest distinctions between claims-made insurance and occurrence-based insurance include, but are not limited to: With [...]

Difference Between Occurrence Versus Claims-Made Insurance2024-07-18T13:42:37-05:00

Power Outage Preparation 

Power Outage Preparation  Regardless of the time of year, power outages happen. Whether it's severe thunderstorms and wind in the summer, or snow and ice in the winter, trees and utility lines can fall, putting us all in the dark. While inconvenient, it's a good idea to follow power outage preparation steps to ensure safety until your power is restored. With hurricane season upon us, it is common to experience high winds and torrential rains, which can lead to power outages lasting a few hours, days, or even weeks. Because Mother Nature is unpredictable, it is recommended to plan ahead for worst-case scenarios by following some basic guidelines:  Gas Up-  Before the power goes out [...]

Power Outage Preparation 2024-07-16T15:25:48-05:00

Hiring Safe Drivers for Your N.C. Trucking Business

Hiring Safe Drivers for Your N.C. Trucking Business As a trucking business owner, you understand the importance of your business reputation and how it impacts your success. Building your business takes years, but it only takes a short time to ruin it if certain guidelines and safety measures aren't in place. Your business depends heavily on your fleet drivers. This is why hiring safe drivers for your N.C. trucking business is vital if you plan to keep operating for any length of time. Whether your drivers work on a limited or full-time basis, the standards for their driving safety practices should remain the same. Driving trucks or vehicles to transport goods or provide a service [...]

Hiring Safe Drivers for Your N.C. Trucking Business2024-07-12T07:50:34-05:00

Is Your Non-Profit Organization Protected with Directors and Officers Insurance?

Is Your Non-Profit Organization Protected with Directors and Officers Insurance? Being asked to serve as a board member for any non-profit organization may seem like an honor and a privilege; however, there is more to your role than assisting in making executive decisions and facilitating organizational success and growth. One essential step before agreeing to serve as a board member is to research whether that non-profit has Directors and Officers (D&O) Insurance. If it doesn’t, you may want to reconsider to avoid any legal challenges you could face without insurance protection. Is your non-profit organization protected with Directors and Officers insurance? Directors and Officers (D&O) Insurance D&O insurance is designed to protect directors, officers, and [...]

Is Your Non-Profit Organization Protected with Directors and Officers Insurance?2024-06-21T13:47:15-05:00

Restaurant Insurance Needs for Your N.C. Business

Restaurant Insurance Needs for Your N.C. Business  Restaurant owners face numerous responsibilities, all while striving to create an inviting atmosphere with outstanding food and exceptional customer service. However, disaster can strike at any moment, potentially destroying everything you have worked so hard to build. Without proper insurance protection, you could face financial ruin. Assessing your restaurant insurance needs for your N.C. business is essential to obtaining the necessary protection you deserve. There are “one size fits all” insurance policies available, often promising coverage at an enticingly low price. However, such coverage may not be tailored to your specific needs or risk factors, leaving gaps in your protection. You don’t want to discover that your insurance [...]

Restaurant Insurance Needs for Your N.C. Business2024-06-13T15:33:17-05:00
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