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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

How to Prepare for a Premium Audit

When you took out your N.C. business insurance policy, your premium was figured by the information provided by you to your agent at the time of policy inception. A premium audit is designed to ensure your figured premium is still accurate at the end of your policy year. Although premium audits are a standard practice in the insurance industry, it is important to know how to prepare for a premium audit. How Does an Audit Work? Since your premium amount was declared before any business operations took place, the auditor must continuously review your premium at the end of your policy period to confirm the premium is an accurate reflection of what your business activity, [...]

How to Prepare for a Premium Audit2017-10-11T20:51:02-05:00

Protect Your Long Term Success with Business Interruption Coverage

Working hard to establish your business is your focus as a business owner, but what if something happens to your big investment resulting in a shut down of your business? Are you prepared for this situation if it happens to YOU? Disasters can happen in a split second so you must protect your long-term success with business interruption coverage. Will the Doors of Your Business Remain Open if This Happens to You? Business interruption coverage is an endorsement that may be added to your existing commercial property insurance policy that provides protection for loss of business income that occurs when there is an interruption in normal business operations due to a covered, direct loss to [...]

Protect Your Long Term Success with Business Interruption Coverage2017-10-11T20:49:58-05:00

What You Need to Know About Water Damage Losses and How to Prevent Them

While water may be considered an essential aspect of your life, it can also be devastating when your home experiences a water damage loss. The devastation can be catastrophic, costing thousands to recover and weeks/months to repair. Find out what you need to know about water damage losses and how to prevent them. Tips to Help Protect Your Home from Water Damage • Routinely check for any possible signs of water leakage. Checking around hoses, water connections, or appliances such as dishwashers, washing machines, or hot water heaters is a great preemptive maintenance approach. If you notice water stains, standing water, or any signs of rotting wood, immediately take further action. • Check your water [...]

What You Need to Know About Water Damage Losses and How to Prevent Them2017-10-11T20:45:17-05:00

How to Prevent Electrical Related Injuries in Your Home

Many injuries, due to electricity-based incidents, occur every day and some even result in death. Whether in your home or workplace, things like outlets, cords, switches, or appliances surround you and may pose a hazardous threat especially if you aren’t aware of appropriate safety measures that will help maintain safety for you and others. Find out how to prevent electrical related injuries in your home so that you and others can remain safe. Below Are Some Tips to Promote Safety in Your Home, but Not Limited to: Keep items such as hairdryers or appliances with cords out of the bathroom. These non-essential objects should never be used near bathtubs or sinks that are filled with [...]

How to Prevent Electrical Related Injuries in Your Home2017-10-11T20:44:07-05:00

What You Should Know About Deductibles

If you have any type of insurance policy, you have most likely heard the word “deductible” but do you really know what it means and how it applies to you? Pertaining to your insurance policy, the deductible is a fundamental component and there are certain things you should know about deductibles and how it relates to you. Finding out what you should know about deductibles will help you more fully understand your insurance policy. If you own a home, auto or business, then you have an insurance policy. An insurance policy is designed to protect assets such as your home, auto, or business in exchange for a premium for the coverage and protection provided for [...]

What You Should Know About Deductibles2017-10-11T20:42:49-05:00

Cover Your ASSets with a Personal Umbrella Policy

You may not know what a personal umbrella policy is, or if you do know, then you may not think you need one. Accidents happen all the time, no matter how careful you are, and the last thing you need is a lawsuit that may strip you of all of your assets. Jeopardizing everything you have worked for may make your realize you need to cover your ASSets with a personal umbrella policy. What is a N.C. Personal Umbrella Policy?  A N.C. personal umbrella insurance policy is designed to provide protection for you and your family above and beyond (otherwise knows as excess liability insurance) the policy limits of your home, auto, or any other [...]

Cover Your ASSets with a Personal Umbrella Policy2017-10-11T20:39:55-05:00

Why You Should Hire Safe Drivers for Your Commercial Vehicles

As a business owner, you know that safety is of utmost importance each and every time one of your commercial vehicles is taken out on a job. In a split second, an accident can happen if your driver is distracted, under the influence, or careless in the operation of one of your fleet cars. Find out why you should hire safe drivers for your commercial vehicles, because it could make the difference in whether you stay in business. Take Action Before Your Driver Hits the Road Before you hire a driver to operate one of your commercial vehicles, it is best to do your homework to avoid what could potentially be the demise of your [...]

Why You Should Hire Safe Drivers for Your Commercial Vehicles2017-10-11T20:38:35-05:00

Important Coverages for Condo Associations

Condo building(s), which are typically multi unit residential operations, are unique in size, occupancy, and location and thus each condo building requires a unique insurance policy referred to as the Master Condo Association Insurance Policy. Condo associations are established in the condo community in order to oversee the management of the condo building and ensure that the operations run smoothly for protection of the residents. This is how and why every condo building is required to have a master condo association insurance policy with important coverages for condo associations. Below Are Some Afforded Coverage Options That Are Available Under Your N.C. Business Condo Association Policy, But Not Limited to: General Liability- A master condo association [...]

Important Coverages for Condo Associations2017-10-11T20:37:23-05:00

Know What Happens When Your Car is Considered a Total Loss

Each time you operate your vehicle, you run the risk of being involved in an auto accident. While backing out of your driveway, you failed to look cautiously and pulled right out into the path of another vehicle. The damages to your vehicle look significant and you THINK it is totaled, but do you know what happens when your car is considered a total loss? Factors to Consider When Determining if Your Car is a Total Loss Your car looks like a total loss, but how do you really determine whether it is or not? You cannot tell just by looking at the cosmetic damages because once there is a substantial impact, there may be [...]

Know What Happens When Your Car is Considered a Total Loss2017-10-11T20:36:15-05:00

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
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