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How to Avoid Products and Liquor Liability Losses for Restaurants

If you are in the restaurant business, you know the rewards can be plentiful, but so are the risks. In fact, two of the biggest risks in the restaurant business include foodborne illnesses and the serving of alcohol. When you open your restaurant for patrons, you run the risk of exposing them to foodborne illness if you don’t practice safe food handling and storage procedures, so in order to protect your restaurant, the patrons, and your assets, you must be aware of how to avoid products and liquor liability losses for restaurants. 1 in 6 Americans Get Sick From Foodborne Illnesses  While that may sound like a high statistic, it may also surprise you that [...]

How to Avoid Products and Liquor Liability Losses for Restaurants2018-05-04T06:56:50-05:00

What is the Best Vehicle for Your Teen Driver?

It seems like just yesterday that your child was merely a child, but now he/she is old enough to drive and the search for the right type of car begins. Your teen driver may only be concerned with the color, body style, or horsepower, but safety is one thing that needs to be explored before any type of car is purchased. When shopping for cars, do you know what is the best vehicle for your teen driver? The Insurance Institute for Highway Safety (IIHS) puts out a yearly list of new vehicle safety ratings with the safest cars earning the Top Safety Pick+ and the next tier of safe vehicles ranked as Top Safety Pick. [...]

What is the Best Vehicle for Your Teen Driver?2018-05-04T06:52:58-05:00

Umbrella Insurance Offers Low Cost Asset Protection

You may have heard how life can change in the blink of an eye, but you probably don’t anticipate monumental life changes happening to you. One thing of which you can be assured is that sometimes unexpected situations can strike in enormous ways, stripping you of your financial security and leaving you in financial ruins if you don’t have the right type of insurance protection to safeguard your assets. Are you aware that umbrella insurance offers low cost asset protection so you won’t get soaked financially? What is Umbrella Insurance?  Umbrella insurance, otherwise known as excess liability insurance, is coverage that is designed to provide protection above and beyond what is exhausted under the liability [...]

Umbrella Insurance Offers Low Cost Asset Protection2018-05-04T06:50:40-05:00

Are Your Valuables Covered?

Receiving a gift of jewelry or being handed down a rare coin collection from your uncle is priceless; however, if something happens to these valuable pieces, from theft or loss, you could be left with a costly price tag if you don’t have the right type of coverage to protect your valuables. Are your valuables covered? This Happens All the Time You go on vacation, but decide to leave your irreplaceable, expensive jewelry pieces at home because you are afraid of either losing them or having them stolen. When you return home, you find that your home has been broken into, ransacked, and ALL of your jewelry stolen! Your diamond anniversary ring, grandmother’s emerald necklace, [...]

Are Your Valuables Covered?2018-05-04T06:48:34-05:00

Important Facts About Flood Coverage

Unfortunately flooding can happen to anyone, resulting in devastating, financial ruin to your home, regardless of where you live. However, most people think if they reside in an area not designated as a “flood zone” they are immune from flood disasters. Flooding does not discriminate so it’s vital you are aware of some important facts about flood coverage to ensure safety and protection of your home. Everyone Is at Risk   Imagine buying your dream home in an area that is clearly out of a flood zone, so the thought of purchasing flood insurance never entered your mind. However, a flood did ensue, causing astronomical damage to your home and after learning your N.C. homeowners [...]

Important Facts About Flood Coverage2018-05-04T06:31:29-05:00

3 Common Car Insurance Gaps

When you buy your car, you recognize the need for an auto insurance policy, but you may not be aware of some common situations that may arise that could you leave you in a hole. Once you understand 3 common car insurance gaps and discuss them with your N.C. independent insurance agent, you can rest assured that any potential gaps will be filled. If you currently own a car or have owned one in the past, most likely you have run into instances that can and do occur. Maybe you had a flat tire, dead battery, or a mechanical break down on the highway while traveling towards your vacation destination or job. Nonetheless, these incidents [...]

3 Common Car Insurance Gaps2018-05-04T06:28:49-05:00

Protect Your Business From Employee Claims

Running a business can be risky and often times may lead into allegations from an employee, a potential employee, or former employee regarding harassment, wrongful termination, and discrimination. This sort of topic has been on the forefront of all media and has raised awareness within businesses, employees, and human resources. Something as simple as a job interview with an applicant can turn sour if that applicant feels the interviewer is discriminatory during the interview process. No business wants or expects these types of situations to arise, but if your business is faced with a lawsuit, do you have the coverage in place to protect your business from employee claims? Employment Practices Liability Coverage (EPL)  Assume [...]

Protect Your Business From Employee Claims2018-02-28T06:52:55-05:00

Safety Tips to Prevent Clothes Dryer Fires

House fires happen all the time, and the origin of many home fires is due to clothes dryers. The fire can ignite due to clothing, lint, wire, cable insulation, fibers or the dryer drive belt, resulting in catastrophic damages to homes in the U.S. In fact, thousands of home clothes dryer fires are reported each year, causing an estimated 29 deaths, 400 injuries, and over $190 million in property loss. Don’t become a statistic; before you turn on your clothes dryer in your home, know some safety tips to prevent clothes dryer fires. Don’t Let This Happen to You Before leaving your house, you decide to go ahead and throw the wet clothes from your [...]

Safety Tips to Prevent Clothes Dryer Fires2018-02-28T06:51:12-05:00

IIHS Safest Cars in 2018

If you are in the market for a new car, you may look at the body style, color, or size when making a decision; but one of the biggest factors to consider is safety. Picking a vehicle that will protect you and your passengers is a huge consideration; so before you head out to purchase a new car, find out the list of IIHS safest cars for 2018. Raising the Bar  Art picture of crashed car The IIHS (Insurance Institute for Highway Safety) is raising the bar for the cars receiving Top Safety Pick and Top Safety Pick+ awards. In fact, only 15 cars received the Top Safety Pick+ Award, while 47 received [...]

IIHS Safest Cars in 20182018-02-28T06:48:40-05:00

Some Safety Tips to Help Safeguard Your Home from Burglary

Home break-ins happen all too frequently, leaving the homeowner violated and robbed of some valuable personal items. Statistically, there is a home break-in about every 15 seconds, which is astounding and quite costly. Just as quick as a burglar can break in, they can steal and get out in a matter of minutes. Being aware of some safety tips to help safeguard your home from burglary can help protect you, your home, and your valuables. If You Become a Victim If you do become a victim to a home intrusion, you need to have the right type of N.C. homeowners insurance protection in place, or you may be left in a financial predicament. If you [...]

Some Safety Tips to Help Safeguard Your Home from Burglary2018-02-28T06:46:14-05:00
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