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Cover Your ASSets with a Personal Umbrella Policy

You may not know what a personal umbrella policy is, or if you do know, then you may not think you need one. Accidents happen all the time, no matter how careful you are, and the last thing you need is a lawsuit that may strip you of all of your assets. Jeopardizing everything you have worked for may make your realize you need to cover your ASSets with a personal umbrella policy. What is a N.C. Personal Umbrella Policy?  A N.C. personal umbrella insurance policy is designed to provide protection for you and your family above and beyond (otherwise knows as excess liability insurance) the policy limits of your home, auto, or any other [...]

Cover Your ASSets with a Personal Umbrella Policy2017-10-11T20:39:55-05:00

Why You Should Hire Safe Drivers for Your Commercial Vehicles

As a business owner, you know that safety is of utmost importance each and every time one of your commercial vehicles is taken out on a job. In a split second, an accident can happen if your driver is distracted, under the influence, or careless in the operation of one of your fleet cars. Find out why you should hire safe drivers for your commercial vehicles, because it could make the difference in whether you stay in business. Take Action Before Your Driver Hits the Road Before you hire a driver to operate one of your commercial vehicles, it is best to do your homework to avoid what could potentially be the demise of your [...]

Why You Should Hire Safe Drivers for Your Commercial Vehicles2017-10-11T20:38:35-05:00

Important Coverages for Condo Associations

Condo building(s), which are typically multi unit residential operations, are unique in size, occupancy, and location and thus each condo building requires a unique insurance policy referred to as the Master Condo Association Insurance Policy. Condo associations are established in the condo community in order to oversee the management of the condo building and ensure that the operations run smoothly for protection of the residents. This is how and why every condo building is required to have a master condo association insurance policy with important coverages for condo associations. Below Are Some Afforded Coverage Options That Are Available Under Your N.C. Business Condo Association Policy, But Not Limited to: General Liability- A master condo association [...]

Important Coverages for Condo Associations2017-10-11T20:37:23-05:00

Know What Happens When Your Car is Considered a Total Loss

Each time you operate your vehicle, you run the risk of being involved in an auto accident. While backing out of your driveway, you failed to look cautiously and pulled right out into the path of another vehicle. The damages to your vehicle look significant and you THINK it is totaled, but do you know what happens when your car is considered a total loss? Factors to Consider When Determining if Your Car is a Total Loss Your car looks like a total loss, but how do you really determine whether it is or not? You cannot tell just by looking at the cosmetic damages because once there is a substantial impact, there may be [...]

Know What Happens When Your Car is Considered a Total Loss2017-10-11T20:36:15-05:00

The Top 3 Reasons You Need Life Insurance

You read about life insurance, you hear about it, and you most certainly see ads for it and the consensus is, YOU NEED LIFE INSURANCE, but do you really know much about life insurance and do you actually need it? Before you sit down with your N.C. independent insurance agent, you need to find out the top 3 reasons you need life insurance. Life Can Be Short So Think Long Term The thought of being invincible can be comforting, but in actuality, it is not realistic and within a blink of an eye, your life can end. Imagine that you have a wife and 2 children who depend on you financially and suddenly your life [...]

The Top 3 Reasons You Need Life Insurance2017-10-11T20:35:48-05:00

Do’s and Don’ts if You Get Pulled Over by Police

It seems almost every day there is news of somebody getting pulled over by a police officer and how it all went wrong. If you have ever experienced being pulled over, you KNOW the feeling of panic, or even anger, but there are some very important Do’s and Don’ts if you get pulled over by police that will reduce this panic and keep everyone safe. A routine traffic stop can end up being very dangerous if you are not careful. Below are some basic tips to promote safety for you, the officer, and others that are in the area: DO safely pull off the road to a secure location, which may be a parking lot [...]

Do’s and Don’ts if You Get Pulled Over by Police2017-10-11T20:32:57-05:00

The Ugly Truth About Making Insurance Claims

The word “insurance” can mean lots of things to many different people with the meaning interpreted as either a positive or a negative. The truth is that “insurance” has BOTH positive and negative qualities, but sometimes the ugly truth about making insurance claims remains this dirty little secret and this secret needs to be exposed. Should You Turn in A Claim? Imagine being on vacation when someone vandalizes your car resulting in approximately $1500 worth of damages. You immediately notify your car insurance agent who advises that your deductible is $1000 and from there the claim is turned over to your auto insurance company for handling. Should you have turned in that claim given that [...]

The Ugly Truth About Making Insurance Claims2018-04-26T00:45:38-05:00

Must Have Insurance Coverage Options for Painting Contractors

Your painting business means a lot, which is why you have worked hard to establish it. With any business, there are inherent risks involved that could totally destroy it, leaving you financially in ruins. Without the right painting contractor insurance, you may be only one fall away from having to close up shop. Whether you run a large company with many employees or are a one-man operation, there are must have insurance coverage options for painting contractors just like you of which you need to be aware. Unfortunate Events Can Happen In the blink of an eye, unfortunate events can and will happen. Imagine you have a worker on a job site, painting on a [...]

Must Have Insurance Coverage Options for Painting Contractors2017-10-12T00:00:40-05:00

How Much Life Insurance Do You Need?

Living your life one day at a time sounds great in theory, but imagine if you are living your life one day and unexpectedly gone the next, leaving your wife and 2 small children on their own to pay all the expenses that you have been paying month in and out. How will your family survive financially if you are suddenly gone? If you have dependents it is important to have the right life insurance policy in place, but how much life insurance do you need? Some Factors To Consider When Determining Your Plan For Life Insurance These factors below include, but are not limited to: Future Expenses- This may include future education costs of [...]

How Much Life Insurance Do You Need?2017-10-12T00:00:24-05:00

Tips to Protect Your Home

Your home is your place of happiness and peace, but when something goes wrong, that solidarity goes right out the window along with potential financial loss if you don’t have the right N.C. homeowners insurance. While nobody wishes to experience a homeowners insurance claim, inevitably it can and will happen, which is why you have a homeowners policy to begin with. While losses can’t be entirely avoided, knowing tips to protect your home from loss can reduce the risk. Make Routine Checkups on Your Home Appliances Replace A/C filter and furnace filter regularly Vacuum A/C returns and supply regularly Have A/C coils cleaned and perform routine checkups on entire unit(s) Cut back trees and shrubbery [...]

Tips to Protect Your Home2017-10-12T00:00:14-05:00
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