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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

Common Questions for N.C. Assigned Risk Services for Customers

Assigned risk insurance is provided for a group of people who have been denied liability insurance coverage for various reasons, yet are required by law to carry insurance. The government then assigns them to insurance companies who will provide liability insurance or Workers Compensation for a rate higher than the conventional rate. There are a multitude of common questions for N.C. assigned risk services for customers that will be addressed. How is Your Premium Determined? Your premium will depend on many factors such as rates, payroll expenditures and experience modification factors. Keep in mind that the quote given is considered to be an estimate and your actual premium may differ. What is Experience Modification Factor? [...]

Common Questions for N.C. Assigned Risk Services for Customers2018-04-26T00:42:30-05:00

The Importance of Keeping Your Insurance Agent Informed

Typically when there are changes in your life, your first thought may not include telling your agent; however, certain situations do require that your insurance agent be informed. When things get hectic in your life and you begin to make switches, you may forget to think about each detail regarding protection of these life changes. In order to remain adequately protected, you need to realize the importance of keeping your insurance agent informed. Some Common Situations That Your Insurance Agent Needs to Know: A Change in Mortgage or Lender This is one of the biggest mistakes that customers make. Assume that you are involved in an accident and a claim payment is being issued. The [...]

The Importance of Keeping Your Insurance Agent Informed2018-04-26T00:42:20-05:00

Guidelines to Promote Email and Internet Security

In the cyber world in which we live, email is a crucial part of our business day, so it is easy for us to just assume it is safe. However, think about it…all it takes is one click of the mouse for a heap of trouble to occur. One tiny click on a link or advertisement could mean a virus being spread to everyone on your contact list at work. The second each of these people opens this email, it can spread the virus to all of THEIR contacts, creating a huge domino effect! In a matter of minutes, the entire business working system could be infected and rendered inoperable, resulting in a system shutdown [...]

Guidelines to Promote Email and Internet Security2018-04-26T00:40:53-05:00

Tips on How to Prevent Credit Card Skimming

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 [...]

Tips on How to Prevent Credit Card Skimming2018-04-26T00:40:45-05:00

Tips on How to Avoid Slips, Trips, and Falls

No matter how safe or cautious you are, accidents do happen. In fact, slips, trips and falls happen at the workplace all the time, whether it is a customer or an employee. Unfortunately, when this sort of accident occurs, it can be financially devastating for the business due to potential lawsuits from a customer; extensive workers’ compensation claims filed by the employee(s) for medical bills and lost wages, or liability claims from the injured customer. Although accidents do occur, there are tips on how to avoid slips, trips and falls. Common Causes of Slips, Trips, and Falls 66% of slips, trips, and falls happen on flat, walking services, while the remaining 34% of slips/falls result [...]

Tips on How to Avoid Slips, Trips, and Falls2018-04-26T00:40:38-05:00

Does N.C. Auto Insurance Follow the Car or the Driver?

It happens all the time! You and a friend jump in your car and your friend wants to drive your car or maybe you ask your friend to drive your car since you are tired. Never once thinking of an accident happening, you hand over the keys. Suddenly, out of nowhere, you hear POW and you realize your friend just wrecked your car! Now you are wondering whose insurance will pay. So, does N.C. auto insurance follow the car or the driver? Typically the auto insurance follows the car and NOT the driver of the car at the time the accident occurs. So, even though your friend wrecked your car, it still means your insurance [...]

Does N.C. Auto Insurance Follow the Car or the Driver?2018-04-26T00:39:26-05:00

Protect the Wedding of Your Dreams with Special Event Insurance

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 [...]

Protect the Wedding of Your Dreams with Special Event Insurance2018-04-26T00:39:17-05:00

5 Mistakes Drivers Make When Buying Auto Insurance

You just purchased a car and now it is time to insure it. Sounds easy, right? Choosing the right kind of North Carolina auto insurance requires the same amount of homework you did when deciding what car to purchase. From the outside looking in, car insurance policies may all look the same and all the ads claim to have the lowest price, best customer service, etc. but do they really? The answer is NO, so let’s go over 5 mistakes drivers make when buying auto insurance. (1) Buying from an Employee of an Insurance Company Choosing the right type of North Carolina auto insurance is important especially if you are involved in an auto accident. [...]

5 Mistakes Drivers Make When Buying Auto Insurance2018-04-26T00:39:07-05:00

How Much Life Insurance Do You Need?

This question is one that comes up quite regularly and is indeed a good one to ask! Purchasing a North Carolina life insurance policy provides protection for your family and those that depend on you financially, after you are gone, but how much life insurance do you need?  Consider This…  You are a 55-year-old man who is the breadwinner of your family, which consists of a stay at home wife and 3 small children. Without a warning, you die of a heart attack and now what? Will your wife have to go to work now? Who will take care of the 3 children? What will happen to your home if there isn’t enough money to [...]

How Much Life Insurance Do You Need?2018-04-26T00:38:35-05:00
Paramount Insurance Agency is an independent insurance agency offering personal and business insurance protection to families and businesses all over North Carolina including High Point, Greensboro, Winston-Salem, Burlington, Raleigh, Cary, Wilmington, Charlotte and Asheville.

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