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Umbrella Insurance: Extra Protection for a Rainy Day

Umbrella Insurance: Extra Protection for a Rainy Day May is known for its unpredictable weather, and just like sudden rainstorms, life can throw unexpected events your way. That’s why many people turn to umbrella insurance coverage—an extra layer of financial protection that goes beyond your standard home, auto, or renters insurance policies. At Paramount Insurance Agency, we believe peace of mind should be part of every plan. What Is Umbrella Insurance? Umbrella insurance is a type of liability coverage that kicks in when your underlying insurance (like home or auto) reaches its limit. It helps protect your finances in the event of large claims or lawsuits that would otherwise leave you responsible for out-of-pocket costs. [...]

Umbrella Insurance: Extra Protection for a Rainy Day2025-04-14T09:35:01-05:00

Protecting Your Small Business: Insurance Tips for National Small Business Week

Protecting Your Small Business: Insurance Tips for National Small Business Week National Small Business Week (first week of May) is a time to celebrate entrepreneurs and the vital role small businesses play in our communities. At Paramount Insurance Agency, we’re proud to support local businesses by helping owners protect what they’ve worked so hard to build. If you’re a small business owner, this is a great time to check in on your insurance policies to make sure they still meet your needs. Here are a few essential tips to consider during your spring review: 1. Reevaluate Your Coverage Business needs can change quickly. Whether you've expanded, added services, or hired more employees, your policy should [...]

Protecting Your Small Business: Insurance Tips for National Small Business Week2025-04-14T09:31:00-05:00

Understanding Auto Insurance Deductibles: What Drivers Should Know

Understanding Auto Insurance Deductibles: What Drivers Should Know Auto insurance can be confusing, especially when it comes to deductibles. At Paramount Insurance Agency, we believe that informed drivers make smarter insurance choices. Here’s a simple breakdown of how auto insurance deductibles work and how they impact your coverage and costs. What Is an Auto Insurance Deductible? A deductible is the amount you agree to pay out of pocket before your insurance company covers the rest of a claim. For example, if you have a $500 deductible and your repair costs are $2,000, you would pay the first $500, and your insurance would cover the remaining $1,500. Types of Deductibles Collision Deductible – Applies when your [...]

Understanding Auto Insurance Deductibles: What Drivers Should Know2025-04-08T10:16:02-05:00

Protecting Your Cargo and Business: The Importance of Commercial and Cargo Trucking Insurance This Spring

Protecting Your Cargo and Business: The Importance of Commercial and Cargo Trucking Insurance This Spring Spring brings new opportunities and challenges for the trucking industry. From increased freight demand to unpredictable weather conditions, trucking companies must be prepared for the unexpected. Paramount Insurance Agency in North Carolina offers specialized commercial and cargo trucking insurance to protect your business, drivers, and cargo. Here’s why commercial and cargo trucking insurance is essential this season. 1. Why Spring Is a Critical Time for Trucking Insurance As freight volume increases in the spring, so do the risks on the road. Sudden storms, increased traffic, and changing road conditions can lead to accidents and delays. Having comprehensive trucking insurance ensures [...]

Protecting Your Cargo and Business: The Importance of Commercial and Cargo Trucking Insurance This Spring2025-04-01T10:16:31-05:00

Spring Storms and Your Insurance: Are You Prepared?

Spring Storms and Your Insurance: Are You Prepared? As spring arrives in North Carolina, so does the risk of unpredictable weather. Spring storm insurance coverage is essential for protecting your home and vehicles from heavy rain, hail, strong winds, and flooding. At Paramount Insurance Agency, we’re here to help you ensure you're prepared for whatever the season brings. Common Spring Storm Risks Spring storms can cause a variety of issues, including: Wind Damage: Strong winds can tear off shingles, damage siding, and topple trees. Hail Damage: Hail can dent vehicles, crack windows, and harm roofs. Flooding: Heavy rainfall can lead to water damage in basements and crawl spaces. Lightning Strikes: Power surges and fires caused [...]

Spring Storms and Your Insurance: Are You Prepared?2025-03-31T12:45:40-05:00

How Paramount Insurance Agency Can Help You This Tax Season

How Paramount Insurance Agency Can Help You This Tax Season Tax Day is quickly approaching, and while most people are focused on filing returns and maximizing deductions, it's also a great time to reassess your financial security. Paramount Insurance Agency in North Carolina provides a range of insurance solutions that can complement your tax planning and financial strategy. Here’s how we can help: 1. Home Insurance & Property Deductions If you own a home, you may be eligible for tax deductions related to mortgage interest and property taxes. Ensuring that your home insurance policy is up to date with the right coverage can protect this valuable asset. If you’ve made any improvements to your home, [...]

How Paramount Insurance Agency Can Help You This Tax Season2025-03-31T12:45:07-05:00

Truck Drivers and Liability: What Happens If You’re at Fault in an Accident?

Truck Drivers and Liability: What Happens If You're at Fault in an Accident? For truck drivers, the road comes with risks, and accidents can happen despite the best precautions. Truck driver liability in an at-fault accident can lead to significant financial and legal consequences.. Understanding how liability works and ensuring you have the right trucking insurance coverage is crucial to protecting yourself and your business. Understanding Liability in a Trucking Accident When a truck driver is at fault in an accident, they (or their employer) are responsible for covering damages, which may include: Bodily Injury – Medical expenses, lost wages, and pain and suffering for injured parties. Property Damage – Repairs or replacement of other [...]

Truck Drivers and Liability: What Happens If You’re at Fault in an Accident?2025-03-28T14:05:21-05:00

Spring Home Maintenance and Your Homeowners Insurance

Spring Home Maintenance and Your Homeowners Insurance As spring arrives, it’s the perfect time for homeowners to inspect, repair, and refresh their properties after the challenges of winter. In addition to spring cleaning, it’s essential to evaluate your homeowners insurance policy to ensure you have the right protection for the season ahead. Paramount Insurance Agency is here to help you understand how your policy works with seasonal home maintenance. Why Spring Maintenance Matters Winter weather can take a toll on your home, leading to potential insurance claims if issues go unaddressed. Performing seasonal maintenance not only preserves your home’s value but can also prevent costly repairs that may or may not be covered by insurance. [...]

Spring Home Maintenance and Your Homeowners Insurance2025-03-28T14:03:01-05:00

What to Do After an Auto Accident: A Step-by-Step Guide

What to Do After an Auto Accident: A Step-by-Step Guide Getting into an auto accident can be overwhelming and stressful. Knowing what to do immediately after a crash can help protect your safety, ensure compliance with the law, and streamline the insurance claims process. Paramount Insurance Agency in High Point, NC, is here to guide you through the necessary steps. 1. Check for Injuries and Ensure Safety Your first priority is safety. Check yourself and passengers for injuries. If anyone is hurt, call 911 immediately. If it’s safe to do so, move your vehicle out of traffic to prevent further accidents. 2. Call the Authorities Even if the accident is minor, call the police. A [...]

What to Do After an Auto Accident: A Step-by-Step Guide2025-03-20T10:14:15-05:00

What is the MCS-90 Form for Trucking Businesses?

What is the MCS-90 Form for Trucking Businesses? If you run a trucking business, you may have heard of "MCS-90" in insurance discussions. But what is the MCS-90 form, and why does it matter? At Paramount Insurance Agency in High Point, NC, we help trucking companies navigate insurance complexities, including federal requirements that affect operations. Understanding the MCS-90 Form The MCS-90 form is an endorsement attached to a motor carrier’s liability insurance policy to meet federal regulations. It is required for trucking businesses transporting goods across state lines under Federal Motor Carrier Safety Administration (FMCSA) rules. This form proves a motor carrier has financial responsibility for public liability. It covers bodily injury, property damage, and [...]

What is the MCS-90 Form for Trucking Businesses?2025-03-20T09:06:19-05:00
Paramount Insurance Agency is an independent insurance agency offering personal and business insurance protection to families and businesses all over North Carolina including High Point, Greensboro, Winston-Salem, Burlington, Raleigh, Cary, Wilmington, Charlotte and Asheville.

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