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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

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

Dog Bite Prevention Tips

Owning a dog can be one of the most rewarding life experiences but what if while entertaining guests at your home, your dog bites somebody, inflicting very serious wounds to your neighbors arm? Subsequently, your neighbor has had several surgeries and incurred thousands of dollars in medical expenses. Knowing some basic dog bite prevention tips can help avoid a situation like this one. Approximately 1,000 U.S. Citizens Per Day Will Require Emergency Care for a Dog Bite Injury This is an alarming statistic, but the facts don’t lie. Additionally, more than half of all dog bites occur on the dog owner’s property, leading to a top contender for common homeowners liability claims. If you are [...]

Dog Bite Prevention Tips2017-10-11T23:59:56-05:00

Back to School Safe Driving Tips

It seems like it was just yesterday that school was out for the summer and teachers and kids were celebrating the beginning of FREEDOM, at least for a few months. Believe it or not, the beginning of a NEW school year is right around the corner and it’s time to reintroduce back to school safe driving tips as our children are headed out the door and drivers encounter more congestion on the roads. If you have a
 teenage driver, be sure to also share these tips with him/her. Slow Down for School Zones and Use Caution Upon entering a school zone, you should immediately slow your speed to reflect the posted 25mph speed limit signs. [...]

Back to School Safe Driving Tips2017-10-11T23:59:40-05:00

Vacation Check List for Your Home

Getting out of the house and onto your summer vacation is a lot of fun, but have you made your vacation checklist for your home? Before you leave on that much needed vacation, make sure you prepare your home for your absence so that your home remains safe, and your mind remains stress free. Take a Few Steps of Precaution Before You Walk Out of the Door While taking some necessary precautions won’t guarantee your home will remain safe while you are gone, it will increase the chances that something bad may be prevented. Below are just some of the precautions you need to check off before you head out: Ask Your Neighbor to Collect [...]

Vacation Check List for Your Home2017-10-11T23:59:26-05:00
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