Toms Blog

Whether you are going out to dinner, getting gas or on a relaxing vacation, you typically don’t think about having your credit card information compromised, but you should! Today’s digital world is filled with scammers who spend their days focusing primarily on stealing credit card information through the process known as “skimming.” Imagine going to a nice dinner, only to find out later that money was withdrawn from your account! You are completely shocked to find out your card has been skimmed. There are some simple tips on how to prevent credit card skimming. What is Skimming? Let’s begin by explaining what “skimming” is and how it is used. The more you know, the better [...]

You just got engaged and now it’s time to plan your wedding. You have dreamed about this for years and you have this grand idea about how it all should go. But, what happens when all of your images in your head are destroyed when something goes wrong? You have already invested a lot of time and money on planning your big day so the last thing in the world you want is to have it ruined. Find out how to protect the wedding of your dreams with special event insurance. Protection that Your Wedding Deserves The words “wedding” and “worry” should not be in the same sentence. Planning your wedding should be a happy [...]

Running a business involves keeping up with a lot of details in order to properly protect your business.  Protecting all of the valuable data is a must in the cyber world in which we live.  Cyber-attacks have become a big problem in small to mid-sized companies, but the good news is that you can take the necessary steps to protect your business from cyber-attacks. Did You Know That More Than Half of All Small to Mid-Sized Businesses Have Been Hacked? Unfortunately this bit of information is TRUE!  Not only that, but of the businesses that were compromised, nearly 3/4 were not able to restore their information.  This is scary to know that every business is [...]

Being a business owner comes with a lot of responsibilities!  Sometimes when you are running a business and dealing with insurance protection, there may seem like there are no clear defining lines as to who fits where.  What if you are a contractor or even a subcontractor and get hurt on the job?  Is there a clear way to know who covers what under whose policy?  Find out about N.C. Workers comp insurance regarding being a contractor versus a subcontractor. What is the Difference Between a General Contractor and a Subcontractor? The business owner typically “contracts” a general contractor to evaluate a job, bid on the construction job, evaluate the estimated cost of what it [...]

If you are a business owner, there are many things you have to juggle in a day’s time.  A typical day may be filled with meeting deadlines, organizing job duties for your staff, or making appointments with potential clients, all of which are important.  But do you have the right type of insurance to protect yourself and your employees should an injury or illness occur related to the job?  Read this TODAY to find out about N.C. workers comp insurance. Is Workers Compensation Mandated by Law? North Carolina workers compensation is a type of business insurance that provides protection for you and your employees for injuries and a percentage of wage replacement if an injury/illness [...]