Business Insurance

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage Running a business offers many perks, but it also comes with challenges that could jeopardize your financial stability if you don’t have the right N.C. business insurance. Damage to your building may require repairs or replacement, and this is where obstacles can arise. Your idea of repairing or replacing might differ from what the government or local ordinances require. Here are some common reasons why you may need to invest in Ordinance or Law Insurance Coverage. Despite your best precautions, losses can still occur, so preparing for property damage strengthens your ability to protect your business and financial assets. Whether your building is damaged by [...]

Consider Business Crime Insurance Today  As a business owner, you know that your business needs and deserves the right insurance protection. But have you considered more than just protecting your building structure and its contents? Every day, your business might be losing money due to business crimes, which is why you need to consider business crime insurance today. Businesses, whether big or small, are targets of crimes from both outside sources and their own employees. However, small businesses seem to be bigger targets for embezzlement than larger ones. Smaller businesses often operate like “one big happy family” until you discover that someone in the “family” has been embezzling money right under your nose. In fact, [...]

Difference Between Occurrence Versus Claims-Made Insurance As a business owner, you know the importance of having the right business insurance protection, but understanding the different types of insurance can be confusing. Before you invest in any type of business insurance protection, it is essential to know the difference between occurrence and claims-made insurance so you can get the type of insurance that best suits your business needs at an affordable rate. What Are Your Business Needs? Each business is different, so the type of insurance that best suits your needs may differ from the next business owner. Some of the biggest distinctions between claims-made insurance and occurrence-based insurance include, but are not limited to: With [...]

Is Your Non-Profit Organization Protected with Directors and Officers Insurance? Being asked to serve as a board member for any non-profit organization may seem like an honor and a privilege; however, there is more to your role than assisting in making executive decisions and facilitating organizational success and growth. One essential step before agreeing to serve as a board member is to research whether that non-profit has Directors and Officers (D&O) Insurance. If it doesn’t, you may want to reconsider to avoid any legal challenges you could face without insurance protection. Is your non-profit organization protected with Directors and Officers insurance? Directors and Officers (D&O) Insurance D&O insurance is designed to protect directors, officers, and [...]

Restaurant Insurance Needs for Your N.C. Business  Restaurant owners face numerous responsibilities, all while striving to create an inviting atmosphere with outstanding food and exceptional customer service. However, disaster can strike at any moment, potentially destroying everything you have worked so hard to build. Without proper insurance protection, you could face financial ruin. Assessing your restaurant insurance needs for your N.C. business is essential to obtaining the necessary protection you deserve. There are “one size fits all” insurance policies available, often promising coverage at an enticingly low price. However, such coverage may not be tailored to your specific needs or risk factors, leaving gaps in your protection. You don’t want to discover that your insurance [...]

  Price Isn’t the Only Factor When Choosing Your N.C. Business Insurance  As a business owner, you must prioritize day-to-day operations, assess potential risks that could threaten your business, and minimize those risks by investing in the right type of insurance protection.  While it may sound easy enough, there are many factors to consider when purchasing business insurance for your livelihood.  While price may be an initial concern, it should not be the only factor when choosing your N.C. business insurance.  Business Insurance Shouldn’t be One Dimensional  While many business insurers claim to offer the best price, will it provide adequate protection when a catastrophic incident happens, or will you be subject to holes in [...]

Insurance Protection for Your Chiropractic Office  As a licensed N.C. chiropractor, you have invested research, time, and money in your education and profession. You did this so that you can treat your patients with the type of care they deserve.  Each patient situation is unique just like your business. That's why you devote your time to determine the right type of treatment plan suited for your patients’ needs.  Concentrating on your patients is what makes your business so successful. Have you put the same type of concentrated effort into choosing the right business insurance protection for your chiropractic office?  Key Coverage Options to Protect Your N.C. Chiropractic Business, but Not Limited to:  You focus on [...]