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10 Important Coverage Options for Contractors

As a contractor, you hold a lot of responsibility in the palm of your hands; but if something goes wrong, will you have the right kind of insurance protection you need and deserve? At the drop of a hat, an accident can occur that could damage your building, business personal property, one of your employees, or a customer’s property, leaving YOU vulnerable to a financial disaster. Being aware of 10 important coverage options for contractors may lead to a greater peace of mind that is priceless. Beware of Hidden Dangers!  It is time to expose some risks involved in the life of a contractor. Your standard business insurance policy does indeed provide coverage for many [...]

10 Important Coverage Options for Contractors2018-04-26T00:45:18-05:00

2016 IIHS Top Safety Picks

And the winners of 2016 TOP SAFETY PICKS are … Vehicle safety is making headlines on a daily basis with recalls being a forefront in the news. However, with each passing year, vehicles are safer than ever before. The 2016 IIHS top safety picks are intended to make it easier for the consumers so that they don’t have to navigate their individual test results. All the work and testing has already been done for YOU, the consumer. The IIHS (Insurance Institute for Highway Safety) has stringent guidelines, putting each and every vehicle to the safety test and automakers are working diligently to meet these standards. From 1959 to 2016, IIHS has been testing cars in [...]

2016 IIHS Top Safety Picks2020-03-25T21:17:45-05:00

How to Keep Your Child Safe in a Crash

More than a thousand children, age 12 and younger, die in passenger car crashes every year, and more than 100,000 are injured. Each and every time you get into your vehicle with a child, it is imperative that car safety seats are properly installed in the car. You can reduce the risk of death and injuries by properly securing your child in the back seat and knowing basic information on how to keep your child safe in a crash. Front Seats are a Forbidden Danger! It is never safe to travel with a child on your lap in the front seat! Car crashes happen so quickly and with such intense force, there is no way [...]

How to Keep Your Child Safe in a Crash2018-04-26T00:45:01-05:00

The 5 Most Common Homeowners Insurance Claims

When you purchase your home, you may look at many different homes before deciding which one is just the right home for you and your family; but do you take the time to do the same thing when researching what type of homeowners insurance coverage you need? If you haven’t, you should! Being aware of the 5 most common homeowners insurance claims is your first step in the right direction when deciding on coverage options that offer the right protection for your home. Five Most Common Homeowners Insurance Claims Below are the 5 most common claims for homeowners with advice on how to avoid problems with each one. Water Water is the number 1 cause [...]

The 5 Most Common Homeowners Insurance Claims2018-04-26T00:44:49-05:00

What is Employment Practices Liability Insurance (EPLI)?

If you are a small business owner, you run the risk of being faced with an employment claim. Simply put, this means being sued! Even if you only have one employee, that risk is still there so protecting your small business is imperative. Did you know that most settlements for these types of claims range from $27,800-$50,200? These types of payouts, inclusive of legal fees, could spell disaster for your company. Protecting your small business is not difficult with an Employment Practices Liability Insurance endorsement. What is Employment Practices Liability Insurance (EPLI) and how can it help YOU and YOUR BUSINESS? Imagine this Happening to Your Small Business Would your small business be able to [...]

What is Employment Practices Liability Insurance (EPLI)?2018-04-26T00:43:53-05:00

Subrogation and What it Means to You

A standard North Carolina insurance policy comes with many clauses and conditions to the coverage it provides and it pays to know what these clauses and conditions mean. One very important clause that may affect you is called subrogation; so let’s take a look at subrogation and what it means to you. Dishwasher Disaster Suppose you just purchased a brand new dishwasher and within a week, your new dishwasher experiences a mechanical problem, resulting in a fire that causes significant damages to your home. Since fire is a covered loss, you are covered! Your insurance company inspects the damages and pays for the amount (subject to policy limits) minus your deductible. This is Subrogation! Since [...]

Subrogation and What it Means to You2018-04-26T00:43:40-05:00

Insuring Your Valuable Items

You just wrapped up the holidays and ended up with some pretty nice gifts! That designer necklace must have cost a fortune as well as that rare coin collection you just inherited from your grandfather. Would you be able to replace these valuable personal items if a loss occurred such as theft, fire, or mysterious disappearance?  Insuring your valuable items is of utmost importance and following these guidelines will allow you to sit back and relax, knowing your valuables are protected! Protect Your Personal Property with an Endorsement A standard N.C. homeowners policy provides a broad coverage for personal property to include personal items such as furniture, clothing, and appliances; however certain items are only [...]

Insuring Your Valuable Items2018-04-26T00:43:20-05:00

10 Easy Ways to Protect Yourself from Identity Theft

Identity theft is becoming a huge business. Believe it or not, identity theft strikes over 12 million Americans per year and can cost thousands of dollars per victim. While these facts are alarming, there is a sense of comfort knowing there are 10 easy ways to protect yourself from identity theft! Utilize STRONG passwords. The more complicated a password is, the harder it will be for a hacker to crack. Using a variety of upper and lower case letters, number, and symbols will increase your safety. Use smart PIN #s on your smartphone. Try NOT to use PIN codes such as 1234 or 1111 since those are most commonly used and always have your phone [...]

10 Easy Ways to Protect Yourself from Identity Theft2018-04-26T00:43:04-05:00

What to Do if Your Car is a Total Loss

Each and every time you get into your vehicle, there is a chance you may be involved in an auto accident. Regardless of the cause of the accident, you may have a car that is totaled. If a vehicle’s cost of repair plus its salvage value exceeds the vehicle’s actual cash value (ACV), it is typically declared a total loss. Will you know what to do if your car is a total loss? How is ACV Calculated?  There are several things you need to know when determining whether your car is a total loss. First of all, you will need to establish the ACV (actual cash value) of the vehicle at the time of the [...]

What to Do if Your Car is a Total Loss2018-04-26T00:42:57-05:00

Insurance Loss Control Survey and Inspection

If your phone rings and the voice on the other end states he/she is a representative of your commercial insurance carrier and would like to schedule an insurance loss control survey and inspection at your North Carolina business, the best thing you can do is open the door to your business wide open. What is a Loss Control Survey?  A loss control survey and inspection is an individual assessment at your business to evaluate possible hazards (fire hazards, water leaks, etc.) that may negatively impact your business operations or harm your employees. The overall goal of this inspection is to create a safe working environment and prevent future losses from happening. Your North Carolina commercial [...]

Insurance Loss Control Survey and Inspection2017-10-11T23:53:00-05:00
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