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Trucking Business and Covered Exposures

If you are in the trucking industry or own a trucking company, you know that having the right insurance is vital.  Keep in mind that not just any insurance will do.  You need to make sure that the trucking insurance you have reflects the risk exposures most prevalent to your business and will meet your specific trucking needs.  You may assume that insurance covers everything, but what kind of things and situations are actually covered?  Find out whether your trucking business is protected from these types of exposures. Below are Some Typical Exposures/Scenarios That Can be Covered, but Not Limited to: Your Truck and Other Property  Your truck is vandalized Your truck is involved in [...]

Trucking Business and Covered Exposures2021-04-22T16:26:55-05:00

Trucking Insurance and Common Mistakes

If you are currently in the trucking business or looking to do a startup business in the future, you need to invest in the right type of insurance protection.  Protection for your livelihood is key if you want to be successful in your business so it is essential to find the best insurance for a value you can afford.  Imagine starting a new trucking business and beginning the search for insurance only to find the one that sounded too good to be true was a “cookie cutter” insurance policy that provided many holes in the coverage you needed.  Before you sign on the dotted line, beware and try to know trucking insurance and common mistakes [...]

Trucking Insurance and Common Mistakes2021-04-22T15:58:21-05:00

In a Riot, Would Your Truck/Trailer be Covered?

The year 2020 brought along many difficult situations that changed the world as we knew it.  Along with a Pandemic, the year brought about many property losses due to riots, civil commotion and vandalism.  Streets all over the U.S. were swarmed with protesters and rioters which certainly created civil unrest in our communities, along with prompting a new set of exposures for the trucking industry. These difficult times have made trucking business owners take a new approach to protecting their trucks and trailers. Ask yourself  "In a riot, would  your truck and/or trailer be covered?" Business Solutions to Provide Peace of Mind During Those Unpeaceful Times, Such as a Riot Riots, civil unrest, and vandalism [...]

In a Riot, Would Your Truck/Trailer be Covered?2021-04-22T15:59:10-05:00

Auto Scams Involving Collision, Towing and Repairs

When you take your car to a repair shop, many people just assume that the repair operators/owners are looking out for your best interest; but what you may not know or want to hear, is many of them are out for their OWN interest!  Unfortunately, this sort of dishonesty is becoming more prevalent which is only adding to the U.S. insurance fraud issue.  Scam alert…there are many types of auto scams involving collision, towing, and repairs, so beware and watch out. Common Auto Scams Involving Collision, Towing, and Repairs to Avoid If you need repairs to your vehicle, need a tow truck, or have been involved in a car accident, you need to look out [...]

Auto Scams Involving Collision, Towing and Repairs2021-04-12T17:02:55-05:00

In a Riot, Would Your Truck/Trailer be Covered?

The year 2020 brought along many difficult situations that changed the world as we knew it.  Along with a Pandemic, the year brought about many property losses due to riots, civil commotion and vandalism.  Streets all over the U.S. were swarmed with protesters and rioters which certainly created civil unrest in our communities, along with prompting a new set of exposures for the trucking industry. These difficult times have made trucking business owners take a new approach to protecting their trucks and trailers. Ask yourself  "In a riot, would  your truck and/or trailer be covered?" Business Solutions to Provide Peace of Mind During Those Unpeaceful Times, Such as a Riot Riots, civil unrest, and vandalism [...]

In a Riot, Would Your Truck/Trailer be Covered?2021-04-13T17:19:08-05:00

Is Your Business Auto Covered Under Your Personal Auto Policy?

This past year has looked different than most years in many ways.  Due to the Pandemic, more people have been working from home and many people have decided to explore being their own bosses.  Running your own business has its perks, but many things need to be considered before this happens.  For example, depending upon the type of business you are running, have you considered what that means for whether your business auto is covered under your personal auto policy?  As your life changes, so might your N.C. auto insurance needs. Consider the Usage of Your Business Auto As a new business owner, you need to consider any type of changes pertaining to the usage [...]

Is Your Business Auto Covered Under Your Personal Auto Policy?2021-03-22T16:39:21-05:00

Pothole Damages

If you drive your car with any regularity, you have encountered potholes on the road, especially during the winter months where snow, ice and wet weather are prevalent.  Potholes are caused by the streets freezing, thawing, and eventually cracking, which allows water to seep under the crack.  Hitting one of these potholes can be very damaging to your vehicle and you may find yourself at an auto repair shop to repair the damages. While you can’t prevent potholes in the road, you can find ways to avoid pothole damages to your car Common Types of Damages Caused by Potholes Following a snowstorm that covered the roads, you get into your car to drive to the [...]

Pothole Damages2021-03-11T08:32:09-05:00

Handling a Total Loss

You probably get into your car every day without giving much thought to having an accident.  But with more traffic on the roads and more distracted drivers, it’s no surprise that auto accidents are continuing to rise.  If you get into a car accident and your car is deemed a total loss, will you know what to do?  Handling a total loss does not need to be confusing and as stressful if you know what to do and the basis of how a total loss is determined.  In fact, the more you know the faster you can get back on the road! With the soaring costs of auto parts and labor to fix damaged vehicles, [...]

Handling a Total Loss2021-02-18T15:42:05-05:00

Are Your Valuables Adequately Protected?

Valentine’s Day is fast approaching and that means you may be on the receiving or giving end of some beautiful jewelry pieces.  Your gifts of past and present are treasured and the thought of losing these pieces or having them stolen would be devastating. Your grandmothers pearl necklace, the emerald ring gifted to you by your spouse, or any other beloved valuable(s) you have are all meaningful and cherished.  Imagine something happening to these prized possessions and then ask yourself whether your valuables are adequately protected. True Story Nobody likes to consider the unimaginable, but it’s time you do!  Home break-ins happen all too often, leaving the victim(s) violated and threatened, not to mention heartbroken [...]

Are Your Valuables Adequately Protected?2021-02-08T13:16:42-05:00

Are You Protected from an Earthquake?

If you are a resident of North Carolina, you don’t have to worry about experiencing an earthquake, right? Wrong! Just this past August, Sparta encountered an earthquake with a magnitude of 5.2 that literally “shook” those in Sparta and others as far as 300 miles away.  If you never thought about insurance protection for earthquakes, maybe you should reconsider.  Now you know earthquakes don’t just happen in California.  Any state can experience this sort of disaster and you need to be prepared for when it does.  Will you be protected from an earthquake if it strikes again? Homeowners Insurance Excludes Coverage for Damages Caused by an Earthquake Many people think their N.C. homeowners insurance policy will cover their [...]

Are You Protected from an Earthquake?2021-01-30T08:34:09-05:00
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