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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

Back to School Driving Tips for Parents and Teen Drivers

It is already August and there are “back to school” signs up everywhere to remind you and your kids that school is right around the corner!  Preparing for back to school is more than just buying pens, pencils, clothes, and books.  For those parents who have teen drivers in the household, it means your teen MAY be driving to and from school and safety must be enforced.  Back to school driving tips for parents and teen drivers is a must to discuss! Common Factors That May Lead to Accidents There are many contributing factors that may increase the risk of an accident for teen drivers.  Regardless of how much driving your teen has done, there [...]

Back to School Driving Tips for Parents and Teen Drivers2018-04-26T00:38:02-05:00

Finding out About N.C. Workers Comp -Part II

Being a business owner comes with a lot of responsibilities!  Sometimes when you are running a business and dealing with insurance protection, there may seem like there are no clear defining lines as to who fits where.  What if you are a contractor or even a subcontractor and get hurt on the job?  Is there a clear way to know who covers what under whose policy?  Find out about N.C. Workers comp insurance regarding being a contractor versus a subcontractor. What is the Difference Between a General Contractor and a Subcontractor? The business owner typically “contracts” a general contractor to evaluate a job, bid on the construction job, evaluate the estimated cost of what it [...]

Finding out About N.C. Workers Comp -Part II2018-04-26T00:37:44-05:00

How To Insure Your Valuables Under Your Homeowner’s Policy

The cost of your grandmother’s pearl necklace passed down to you is $10,000.  Your baseball card collection is worth $5,000.  Protection for these items…PRICELESS!  During your lifetime, you will obtain some pretty valuable possessions that mean the world to you and would be devastated if they were lost, stolen, or damaged. Will your standard homeowner’s policy reimburse you for the FULL value of your valuables?  PROBABLY NOT!  Find out how to insure your valuables under your NC homeowner's policy so that all of your personal possessions are adequately protected. Don’t Limit Your Valuables Your standard North Carolina homeowner’s policy has specific limits on your jewelry and valuables, for covered losses, typically in the amount of [...]

How To Insure Your Valuables Under Your Homeowner’s Policy2018-04-26T00:37:36-05:00

Finding Out About N.C. Workers Comp Insurance

If you are a business owner, there are many things you have to juggle in a day’s time.  A typical day may be filled with meeting deadlines, organizing job duties for your staff, or making appointments with potential clients, all of which are important.  But do you have the right type of insurance to protect yourself and your employees should an injury or illness occur related to the job?  Read this TODAY to find out about N.C. workers comp insurance. Is Workers Compensation Mandated by Law? North Carolina workers compensation is a type of business insurance that provides protection for you and your employees for injuries and a percentage of wage replacement if an injury/illness [...]

Finding Out About N.C. Workers Comp Insurance2018-04-26T00:37:24-05:00

The 6 Most Dangerous Mistakes That Teen Drivers Make

You have a teenager who just turned 16 and off he/she goes to get their long awaited driver’s license. It is an exciting time for everyone in the family.  Suddenly your teen is able to drive the car to all of the practices, schools, and errands, freeing you up from all the driving you have done the last 16 years. What’s NOT so exciting is when something bad happens to your teen driver behind the wheel of the car.  Being aware of the 6 most dangerous mistakes that teen drivers make is your first step to promoting safety on the roads. (1) Distracted Driving Teenagers are easily distracted regardless of where they are; but being [...]

The 6 Most Dangerous Mistakes That Teen Drivers Make2018-04-26T00:36:54-05:00

This 4th of July-Drive Sober or Get Pulled Over!

When you think of The Fourth of July, you may think of hotdogs, fireworks, and family celebrations; however, too often the fireworks are not the celebratory kind.  They are the kind that blow up as a result of drinking and driving.  This holiday is right around the corner, so make sure while you are celebrating our country with family and friends on this 4th of July, that you drive sober or get pulled over! Facts for the Fourth Some of the statistics surrounding one of America’s favorite holidays is astounding!  Being aware of these facts may make you seriously think before you get behind the wheel of a car after consuming alcohol. Below is a [...]

This 4th of July-Drive Sober or Get Pulled Over!2018-04-26T00:36:46-05:00

5 Ways to Save Money on Your Home and Car Insurance

Saving money is something we ALL want to do and we are always looking for ways to do it. Paying insurance premiums for your 2 biggest investments can seem costly when the premium bill comes in, but did you know there are 5 ways to save money on your home and car insurance? (1) Raise Your Deductible  A deductible is the amount of money you choose on your policy to pay before the insurance company pays anything for a claim. The higher your deductible is, the lower your insurance rates will be for both your home and auto insurance policy. The best way to determine how much to raise your deductible is to ask yourself how [...]

5 Ways to Save Money on Your Home and Car Insurance2018-04-26T00:36:30-05:00

Do You Have the Right N.C. Renters Insurance Protection?

Suppose you are renting an apartment and in the middle of the night, there is a fire in the apartment next to yours.  As a result, your apartment has smoke damage and residual water damage from the fire department’s efforts to put out the fire.  Not only is your furniture ruined, but your television and other electronics are too.  Do you have the right N.C. renters insurance protection to cover all of your damaged property? Did You Know That 1/3 of All U.S. Households Rent? If you are one of the 1/3 of people who rent, it is important to know that without having a renters insurance policy in place, your stuff may not be [...]

Do You Have the Right N.C. Renters Insurance Protection?2018-04-26T00:36:23-05:00

Why Every Business Needs Business Income Coverage

Your business is set up, things are running smoothly, and everyone seems to be happy until a covered loss happens, and then what?  Let's say that a fire occurs, resulting in business interruption and a drop in revenues.  Will your North Carolina business insurance cover you for loss of income?  Here is why every business needs business income coverage. Without a building, the employees do not have a place to work, sales go unfulfilled and customers have to go elsewhere for their orders. One hour of destruction can take years to rebuild. Reestablishing business income is your main objective and that’s where NC business income coverage becomes vital to your business operations! What is NC [...]

Why Every Business Needs Business Income Coverage2018-04-26T00:35:57-05:00

Does Your Business Property Need ACV Coverage or Replacement Coverage?

Running your own business requires making a lot of decisions; however, when you are deciding on the best settlement coverage for your business property, the decision is HUGE.  There are many variables when deciding how to protect your business property.  Does your business property need ACV coverage or replacement coverage? Let’s take a look at an example. Both Sue and Bob own separate restaurants that basically have similar menus, the same type of customers, and are located in a similar type of building.  However, Bob’s restaurant is located in an older neighborhood where many of the buildings in the shopping center are now vacant. Sue’s building is located in a very centrally located area and [...]

Does Your Business Property Need ACV Coverage or Replacement Coverage?2018-04-26T00:35:43-05:00
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