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Car Insurance for Uber and Lyft Drivers

If you are currently an Uber/Lyft driver or thinking of becoming a “rideshare” driver, you need to know some basic things concerning how the car insurance works during the drive service. If you are considering working full-time or part-time as a N.C. rideshare driver, you need to know that your standard N.C. auto insurance policy excludes “livery” which means if you are picking up people to transport for a fee, no coverage exists; however, the good news is that NOW there are options available for car insurance for Uber and Lyft drivers, when there was previously none. Requirements to Be an Uber or Lyft Driver   First of all for those of you considering becoming [...]

Car Insurance for Uber and Lyft Drivers2017-10-11T22:53:53-05:00

How Much Life Insurance is Enough for You?

Life insurance is a topic that seems to come up quite a bit, either on the radio, with your local independent insurance agent, or on television; but do you really know that much about it? There is much speculation about how much life insurance one needs or if you even need it at all, so this topic can be rather intimidating, but doesn’t have to be. Find out how much life insurance is enough for you so you can stop the questioning. Plan Today for Tomorrow’s Unexpected You work hard every day to provide for your family financially and without your income, your family’s lives may change immensely. The first aspect to consider when planning [...]

How Much Life Insurance is Enough for You?2017-10-11T22:50:07-05:00

What is the Food Safety Modernization Act (FSMA)?

If you are in the business of shipping, transporting, receiving food, or insuring those who are, then you need to pay attention to the FSMA regarding the safety of food that is non-packaged for animal or human consumption. The Food and Drug Administration (FDA) has publicized this Act citing that “contaminated” foods should not be permitted in the food supply chain going to either animals or people.  So, what is the Food Safety Modernization Act (FSMA)? This rule (FSMA), that is government regulated, changes the relationship between the transportation companies and the shipper when it comes to the transportation of food, because now there is an Act that is 283 pages long that places the [...]

What is the Food Safety Modernization Act (FSMA)?2017-10-11T22:48:06-05:00

The Differences Between HO3 and HE7/21 Home Insurance Policies

Picking out the home of your dreams is exciting, but finding the right insurance protection for your dream home may feel more like a nightmare if you don’t know much about home insurance policies. Your home investment may be your biggest investment yet, so the insurance needs to be custom built to meet all of your home needs, within a budget you can afford. Learning the differences between  HO3 and HE7/21 home insurance policies is a step in the right direction towards having the home protection you deserve. The Coverage of Your N.C. Home Insurance Policy Matters When you are insuring your dream home, you may think a bare-boned insurance policy is adequate, without considering [...]

The Differences Between HO3 and HE7/21 Home Insurance Policies2017-10-11T22:37:00-05:00

Insurance Needs for Remodeling Your Home

For years, you have thought about remodeling your kitchen or bathrooms, but the expense of it has held you back. But after saving money for years, you are ready to begin that remodel in your home and can’t wait to get started; But hold on before you begin that renovation. BEFORE you do anything, you must contact your local N.C. independent insurance agent to review your insurance policy and anticipated changes in insurance needs for remodeling your home. Don’t Wait Until it’s Too Late There is a lot of work involved in planning any home remodel, whether it is an addition, renovation, or a complete transformation, but there are many things you need to tie [...]

Insurance Needs for Remodeling Your Home2017-10-11T22:34:36-05:00

What Type of Insurance May Be Needed for Your College Student

It seems like summer just started, but when August arrives, the vacation plans have been executed and the only thing on the minds of many is “back to school” planning. Some of you may be planning to send your child off to college for the first time or may have a child returning to college; however, there are many facets to the planning of college life. Your checklist may include things like laptops, clothes, bedding, and books, but have you considered what type of insurance may be needed for your college student? Criteria for Coverage Planning for your child’s departure can be overwhelming, but it doesn’t have to be. The good news is that under [...]

What Type of Insurance May Be Needed for Your College Student2017-10-11T22:30:32-05:00

N.C. Workers’ Compensation Requirements

As a business owner, you value your business investment, as well as your employees. After all, your employees are the backbone of your business and shouldn’t they be protected? In North Carolina, if an employee gets injured or sick as a result of work related activities, then that employee is entitled to workers’ compensation benefits, but do you know the N.C. Workers’ Compensation requirements? Who Qualifies as an Employee? The Workers’ Compensation Act of N.C. states that if your business employs 3 or more people then you must carry workers’ compensation insurance for your employees, but which people qualify as an “employee?” Below are some of the definitions of “employee”, but not limited to: Each [...]

N.C. Workers’ Compensation Requirements2017-10-11T22:27:42-05:00

Steps to Getting a N.C. Driver’s License

Getting a N.C. drivers license involves many different things, so knowing ahead of time what to do, may save you time when it comes to getting yours. Below are the steps to getting a N.C. Driver’s License: (1) Determine the Type of Driver License You Are Getting  For 18 years and older, a standard driver’s license or learner’s permit would apply For below 18 years old, a “limited” learner’s permit would apply for new drivers For commercial drivers license, a CDL (Commercial Driver’s License) would apply. This would pertain to the operation of high occupancy vehicles (bus) or heavy transport vehicles (mobile carriers) (2) Be Aware of the Documents Required  Before entering the NCDMV office, [...]

Steps to Getting a N.C. Driver’s License2018-04-26T00:45:49-05:00

Find Out Whether You Need Insurance for Your Home-Based Business

Today, more and more people are operating businesses out of their own homes and while that sounds modern and convenient, it won’t be if an unexpected accident happens and you lack the right type of insurance needed. Many people don’t realize that their standard N.C. homeowners insurance policy provides limited coverage for their home-based business, so you need to find out whether you need insurance for your home-based business. Accidents Happen Imagine that you run a personal training business out of your home and one of your long-standing clients is at your home working out and injures his back performing an exercise. With no history of back issues, your client is now claiming he got [...]

Find Out Whether You Need Insurance for Your Home-Based Business2017-10-11T22:22:12-05:00

The FMCSA- Proposed Minimum Liability Limits Increase Has Been Withdrawn

When you travel on the highways and see motor carriers, you may only consider the transporting of goods from one location to another; however, there are many insurance issues going on right now involving the required minimum insurance limits. Present insurance limits were set in the mid-1980s, and in the last few years, groups have claimed the current minimum insurance limits are too low to cover the costs of today’s crashes; however, The Federal Motor Carrier Safety Administration (FMCSA) has officially stated the proposed minimum liability limits increase has been withdrawn, citing that a lack of information/sufficient data was not provided to back up a need for an increase. The FMCSA did a study that [...]

The FMCSA- Proposed Minimum Liability Limits Increase Has Been Withdrawn2017-10-11T22:19:24-05:00
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