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Contractors Errors and Omissions Coverage

As a contractor, you accept jobs daily and your goal is to not only satisfy your customer(s), but to also build your business and reputation. However, with any type of contractor work, you can count on mistakes happening and customers’ complaints developing. Are you prepared to handle the potential situation of a simple customer complaint turning into a very costly legal dispute? If not, you need to find out more about Contractors Errors and Omissions Coverage. What is E & O Coverage?  Every contractor needs to be aware that the typical N.C. General Liability commercial policy excludes these kinds of business conflicts, which can turn into a financial nightmare costing thousands of dollars if you [...]

Contractors Errors and Omissions Coverage2018-02-28T05:55:55-05:00

How to Avoid Hitting a Deer on the Road

It’s that time of year again! No, I don’t mean holiday season; but ‘tis the time of year for more deer to be on the roads. Deer collisions with autos happen more than you may realize. In fact, the Insurance Information Institute (III) estimates that as many as 1.5 million auto collisions with deer happen each year; and in the state of North Carolina, the likelihood of it happening to you may increase since N.C. has a bursting deer population. If a deer comes into your path while driving, do you know how to avoid hitting a deer on the road? Sunrise, Sunset  The time between October and December, there is an increase in the [...]

How to Avoid Hitting a Deer on the Road2018-02-28T05:53:04-05:00

Know Why You Have Uninsured/Underinsured Motorist Coverage

If you own and operate a vehicle, North Carolina mandates that you carry auto liability insurance on that vehicle to protect you against injuries and damages that you may be held liable for, while operating your vehicle. However, did you know that as many as 1 in 8 drivers are driving without any auto liability insurance? As a result of the growing number of people driving without insurance, a once optional type of coverage referred to as Uninsured Motorist (UM) is now also mandated under your N.C. auto insurance policy, while Underinsured Motorist (UIM) is required if you have limits of liability that are higher than the stated minimum limits. But do you know why [...]

Know Why You Have Uninsured/Underinsured Motorist Coverage2017-11-20T19:47:37-05:00

Arrive Alive During the Holidays

It is hard to believe, but the holiday season is upon us, and that equates to travel for many, whether it is to your grandparents’ home, vacation spot, or to another loved one’s destination. Thanksgiving, Christmas, and New Years are busy times for everyone and are among one of the busiest travel times of the year, most of which is done by personal vehicle. Statistics show that about 91% of holiday travel is done by personal car/vehicle and that means you need to follow tips to arrive alive during the holidays. Below Are Some Safety Tips to Ensure Smooth Travels During the Holidays: Maintain the upkeep of your vehicle- Maintenance on your vehicle is of [...]

Arrive Alive During the Holidays2017-11-20T19:44:32-05:00

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
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