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Business Insurance for Your Dental Office

If you are own a dental office/building, you know there are many aspects of it that need to be adequately safeguarded from the numerous risks that present themselves. Whether it’s your office building, high tech dental machinery, patients’ medical records, or computers, you need to have the right type of business insurance for your dental office, so you will have the insurance protection you need to ensure the peace of mind you deserve. Imagine… Suppose you have a new patient that needs a filling and the numbing procedure is administered. This particular patient has a negative reaction and breaks out into a rash, experiences difficulty in breathing, vomiting, and seizures. After undergoing medical treatment, your [...]

Business Insurance for Your Dental Office2017-11-20T19:37:45-05:00

Personal Auto Insurance Vs. Business Auto Insurance

Deciding whether you need personal auto insurance vs. business auto insurance can be confusing and can leave you in a situation where coverage may be denied if you don’t have the correct type of auto insurance for your situation. Imagine you are the owner of a small catering company and make deliveries in your personal van to individuals and businesses. If you get into an auto accident, while delivering food to a business party, would your personal auto insurance cover the damages or would coverage be excluded? There are many factors to consider when determining which type of insurance you need Factors to Consider When Determining the Type of Auto Insurance Needed, but Not Limited [...]

Personal Auto Insurance Vs. Business Auto Insurance2017-11-20T19:32:15-05:00

What You Should Know About Rental Cars and Insurance

Your vacation is finally underway and you just spent hours on the beach when you jump into your rental car to head back to the hotel. Suddenly, out of nowhere, the car in front on you slams on brakes and you inevitably smash into the rear end of that car. Having a damaged rental car was not part of the vacation plan and now you are left wondering who’s responsible for the damages to the rental car. The next time you plan a vacation, there are things you should know about rental cars and insurance, so you will never have to wonder again. How Your Standard N.C. Auto Insurance Policy Impacts Damages to the Rental [...]

What You Should Know About Rental Cars and Insurance2017-11-20T19:29:23-05:00

October is National Cyber Security Month

Cyber hacks are becoming more prevalent in our society and can impact corporations, people, reputations, and government, without notice. October is National Cyber Security Month and is aimed at promoting awareness of cyber security, staying secure in the digital world, and taking preventive measures in order to protect yourself and/or your business, and customers. In the event of a breach in cyber security, will you be protected with the right measures or will it be catastrophic? Headline News  On any given day, there are national headline articles about companies being hacked and customers being exposed to data breaches, so it’s really not a situation of “if” it happens, but “when” it happens. When it happens [...]

October is National Cyber Security Month2017-11-20T19:26:14-05:00

How Insurance Rates Are Determined

Every time you get into a vehicle, you run the risk of being involved in an auto accident, either by your own negligence or from another driver on the road. If you own a car, the N.C. law mandates that you have auto insurance to provide protection from a financial impact that may result due to an auto accident, but do you know how auto insurance rates are determined? Below Are Some of the Important Rating Factors That Impact Your Premium, but Not Limited to:  Driving Experience- Length of time you have been driving Driving Record- Record of any auto accident charges and/or tickets Claims History- Record of prior accidents and claim payouts Type of [...]

How Insurance Rates Are Determined2019-06-05T03:01:08-05:00

Does Your Trucking Business Need Trailer Interchange or Non-owned Trailer Insurance?

In the trucking industry, there are many circumstances that can occur when a carrier is transporting goods that are not clearly defined and may be confusing if you don’t know the facts surrounding the transport situation. Truckers use trailers belonging to other people every day to haul specifics to another location, but does your trucking business need trailer interchange or non-owned trailer insurance coverage when transporting goods? Get the Coverage You Need The terms “trailer interchange” and “non-owned trailer” often are used simultaneously, but there are differences between the two types of coverage and it is critical that everyone on board knows the differences. Getting the coverage your trucking business needs CAN be different than [...]

Does Your Trucking Business Need Trailer Interchange or Non-owned Trailer Insurance?2017-10-11T22:58:10-05:00

Fall Maintenance for Homeowners

It is hard to believe fall is upon us already, but soon the leaves and the temperatures outside will be falling and NOW is the time to take measures to inspect your home for any issues that may cause damage during the next few months. Taking extra precautions doesn’t prevent bad situations from happening, but can surely help to minimize them when they do. Learn tips on fall maintenance for homeowners, so you can just enjoy the upcoming changing season. Below Are Some of the Main Areas to Check Off Your Fall Maintenance List, but Not Limited to: Inspect Your Roof - When inspecting the roof, look for missing or damaged shingles, decomposed flashing, and/or [...]

Fall Maintenance for Homeowners2017-10-11T22:55:36-05:00

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
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