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WHO ARE WE?

Serving insurance in Raleigh and surrounding North Carolina communities since 1964.

We are committed to building lifetime relationships and treating you as a customer and not a policy.
We pride ourselves on one-on-one customer service and will work with you to identify and assess your insurance needs, explain the options available, and help you choose a policy that provides superior protection.

Conveniently located just minutes from the belt line in Raleigh. We will happily assist you in determining what your needs are and then assist you in the proper insurance coverage at the lowest possible cost.

Whatever your situation, our certified staff can help you address and understand your available choices.

Meet the Team

What our clients
say about us

  • We give Snotherly Insurance FIVE STARS !! Linda and I want to thank both Carol Potter and Javi Coe for there conscientious service. We have been with Carol and Javi for nine years --- Great People to be with.

  • The 25 years prior to Nationwide, I was with State Farm, Geico, and Allstate, and the Snotherly agency has given me the best price AND service I've ever had from any insurance agency. He & his staff are personable, intelligent, responsive, and patient and explain things extremely well when I don't understand something.

  • I rarely give the highest rating (in this instance 5-stars), but I've been with Alex Snotherly's branch of Nationwide Insurance for years and am thoroughly impressed with them. We have 4 cars, 4 drivers, & a house insured with them, and they've been fabulous to help us get everything insured correctly and save money!

  • Historically I’ve been anxious any time I’ve to deal with insurance issues or changes in policies. Since I’ve been working with Snotherly Insurance that’s all changed. The agents know so much about the intricacies with policies and companies. They also made every single step in setting up our policies easy. Our agent found the best policies for our family in both coverage and cost. We’ve worked with Snotherly Insurance for car, motorcycle, home, umbrella and Directors and Officers policies and without question, I believe we’ve gotten the best coverage options available.

  • The Snotherly team has managed our home, auto and life insurance needs for, well, for a long time now. For almost two decades when we lived in Raleigh and for the additional 10 years we've been in the Charlotte area.

  • Great Insurance agency everyone friendly, Great services and Amazing prices.Joseph Wells is a great agent reply on time helps when needed. I totally recommend this to people looking for all type of insurance

  • Snotherly has insured our vehicles for 3 years and it has been a very pleasant 3 years. Great customer service.

    Angela A.

  • Been with them for decades, literally!! carol is absolutely the BEST of the best!

    B Shinbara

  • I can firmly say, Snotherly Insurance is the only insurance company I’d consider using.

    Courtney B.

  • I previously was with Allstate, and did not receive personal attention after many years with them. I married LaRue over 20 years ago and switched to her family friend Mr.Snotherly . We had good service and talked with many agents over the years......until Javi came along ! Javi keeps in touch with us and is a big help. We feel this is the personal touch an agency should provide. Thank you Javi and thank you Snotherly Agency .

    Dan C.

  • Joseph and Carol are great! They are always quick to fax or email anything I need at anytime. Joseph even took care of me on a Saturday! Just all around great staff super friendly and work together great. My family and I have been with them for a long time now and have always had are backs! Great insurance agency!

    James B

  • I can't say enough positive things about my insurance agency. They are the BEST!!!!

    Juanita T.

  • Thank you for taking care of our needs- always service with integrity.

    Julie H.

  • Outstanding service!! You all are the best!

    Kevin D.

  • Alex Snotherly and his team are fantastic. I'm a long time customer, since 1997 and couldn't be happier with the personalized customer service I continue to receive each and every year. Their representative Javiera Coe is awesome. Each year she takes the time to review my policy with me to ensure we continue to get great rates with outstanding coverage for our family. During a recent claim I had a slight difference of opinion with the corporate claims adjuster. Javi acted as our advocate to ensure we were treated fairly. This local agency is truly on it customers' side.

    Nathan B.

  • I can't say Thanks enough to the group at Snotherly Insurance....they have gone above and beyond to help me with my families insurance and let's me know immediately if an issue arises....when I didn't understand something about my policy...they took time out of their busy day to explain it to me in person and wanted to make sure I understood before I left.....Personal service like that goes a long way in my book! Thanks again Snotherly Insurance Team!

    Pam R.

  • Always a great experience working with the folks at Snotherly. Thanks!

    Patrick S.

  • I have had the pleasure of working with Ronda and Alex and the Snotherly staff for over 15 years in my role as Office Manager at Epoxy Floor Systems. Ronda and Alex are very knowledgeable and always looking out for us to provide the best coverage for our business. No matter if it is as simple as requesting a Certificate of Insurance or reviewing detailed insurance requirements for our contracts, we always receive quick and accurate responses. It is a pleasure to work with such a great group of professionals!

    Patti M.

  • Snotherly handles my insurance needs for my personal vehicle coverage as well as my commercial insurance needs. They always have time to answer my questions in a thorough manner that makes it easy to understand. Couldn't ask for a friendlier more responsive group of professionals! Proud to be a client of the Snotherly team, and to refer my colleagues, friends, and family to their agency!!

    Renee H.

  • My family has been a client of Snotherly Insurance Agency for many years and we are extremely pleased with the professionalism, support and guidance from Alex and his staff. We have both auto and home and the combined rate is competitive if not lower than the major carriers. Again, hats off to Alex and his team! Thanks for all you do!!!

    Rob K.

  • As a client for 20 years, its safe to say this agency takes great care of my insuance needs.

    Ronda M.

  • This agency has always gone above and beyond to take care of everything! They are by far one of the best,thanks Miss Karen for your great service!!!!

    Ruben A.

  • They are honest as the day is long !

    Sam T.

  • Javi has been on-point for us for the last several years, and never fails to give us the best service possible as our needs have evolved. I expect we'll be customers of the agency and Nationwide for as long as we're residents of NC.

    Stuart W.

  • I have been with Snotherly Insurance for almost a year and I can't say enough good things about Joseph and the entire team. I had a lapse in my insurance coverage from another company and Snotherly was the ONLY company that would write a policy for me and the price was perfect! The communication from the office in regards to payments is extra helpful! I highly recommend the Snotherly team!

    Victoria G.


At Snotherly Insurance Agency, we believe you deserve top quality service… Period. That’s why we’re committed to giving you the best of us. We’ll always make sure you have the right coverage, the right discounts, and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back! As Agents of Change in our community, we’re dedicated to helping others live well and thrive!

Originally published by Trusted Choice Insurance

Sadly, the biggest mistake people in protecting themselves against hurricanes such as Florence is not buying flood insurance in the first place. According to a 2016 study commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”), at least 73% of survey respondents didn’t have a flood insurance policy that is separate from their homeowners coverage, leaving them with no coverage for damage due to rising water and vulnerable to potentially catastrophic financial loss.

However, even those consumers with flood insurance can make mistakes after major storms that make a bad situation even worse. A few missteps in the recovery process can cost storm victims big bucks.

Some of the most common or costliest pitfalls include:

FLOODED CARS

After a flood, most people understandably focus on their home and its contents. But they can’t ignore what’s sitting in the driveway. Cars flood too. Eventually the water recedes, and in many cases, the car simply dries out. Just because a car is drivable after the flood, though, doesn’t mean it’s OK. Water damage and related problems such as wiring issues or undercarriage damage can be hidden…or crop up later in the form of carpet molding or rusting. If you have a car that was exposed to a flood, talk with your insurance agent about having it evaluated by a reputable expert. Consider filing a claim if water exposure has been significant. (Similarly, savvy car buyers need to be alert for this type of problem months after a massive flooding event. Auto dealers lose massive inventories to water damage after a catastrophic flood, and their insurer pays them for those losses. But flooded cars can make their way back into the marketplace—often in states far from the storm– and their damage is tough to detect. All used car buyers need to keep this in mind, request a car history, and watch for red flags in these situations.)

MOLD

In trying to restore their lives and property as quickly as possible following a catastrophic flood, too many home and business owners forget to consider a costly issue that can wreak havoc long after the storm. Mold. It’s important to remember that flooded structures often sit untouched for periods of time after a storm, making them highly susceptible to mold growth weeks and months later. While everyone wants fast repairs, it’s critical to allow ample time for materials to dry out before they are covered over and closed up again. Ask your contractors and recovery teams about treatments to prevent mold growth at the time of repairs. Addressing the issue right away with aggressive and effective mold retardants saves money and headaches later.

ADJUSTERS

The first insurance representative to visit a storm-ravaged property is usually the adjuster who estimates the dollar value of the damage. But there are different types of adjusters and it’s critical to understand the difference. If not, people risk further loss at a difficult time. Staff and independent adjusters represent the insurance company. Public adjusters represent the consumer AGAINST the insurance carrier, fighting on behalf of the home or business owner. A good public adjuster can be helpful in navigating the claims process, but consumers need to ask the right questions to make sure

they are hiring a reputable one. Ask to see their state license and professional affiliations and never agree to pay anything upfront before the work is done. Most importantly, understand that a public adjuster will receive a portion of your total claim payout—often 10-15 percent. Be on guard for public adjusters who don’t follow basic ethics rules or seem unwilling to deal openly with your insurance agent. Unfortunately, unscrupulous characters (across many different professions) prey on vulnerable disaster victims and can cost desperate consumers thousands. Watch for them.

DON’T BE A DO-NOTHING

For many in the path of a widespread disaster, the claim they file from the event is their first ever. In too many cases, this means victims aren’t familiar with the claims process or the terms of their policy. Following a catastrophe, most policies require that the homeowner protect their property from further damage. Failure to do so can cost you dearly. Any additional damage that results from you not taking steps to secure or temporarily repair your property won’t be covered. For example, if a tree falls and creates a hole in the roof, it’s the homeowner’s job to remove the tree as soon as possible (expenses would be reimbursed through the claim) and to tarp the hole to prevent additional damage to the home’s interior. Too often, consumers mistakenly hold off on taking any action until the insurer has made a full assessment. Photographing the original problem and starting on a fix prevents further expensive losses for the homeowner that will have to be paid out of pocket.

WHEN IN DOUBT, DON’T THROW IT OUT

Damage from a major disaster impacts not just the home or place of business but also what’s inside. When returning to the devastation, many property owners start the recovery by clearing and cleaning out. While that approach is OK and indeed often necessary, it’s important to remember whenever possible: remove but retain. Although a sea-soaked sofa is useless and problematic to the homeowner, it might be helpful to your insurer, especially if a video or photographic home inventory was never taken ahead of time. When an adjuster can actually see the ALL the damaged property, it’s easier to estimate the extent of the loss, and the claim will be filed more accurately and quickly. Relying on piecemeal recall or searching for original receipts can cause significant delays in resolving the claim. So don’t haul away damaged items (especially larger or expensive ones). Move them elsewhere on the property if necessary, but wait for the OK from your insurer before you trash them for good.

Are You a Ride-Sharing Driver? What If Your Passenger, Another Driver, or Your Vehicle Is Injured?

As a ride-sharing driver, you must answer two critical questions before you accept your first fare: First, will my insurance help me if my passenger or another party is injured while I am driving for a ridesharing service? Second, will my insurance help me if my vehicle is damaged while I’m transporting passengers for a ride-sharing company? To answer those questions, here’s information you need to understand about insurance coverage—or lack thereof—in a typical personal auto insurance policy:​

Livery Conveyance & Your Personal Auto Insurance

“Livery conveyance” is a critical term in a typical personal auto insurance policy. As defined by the International Risk Management Institute, it means “the transporting of people and/or goods for hire, such as by a taxi service, motor carrier, or a delivery service.” The typical personal auto insurance policy is not designed to cover the exposures associated with a vehicle being used as a livery conveyance.

Liability

“How much liability insurance should I buy?” When insurance professionals are asked this question, they sometimes respond, “That depends: How serious is the accident going to be?” You might think that is not a helpful answer, but its purpose is to remind you that there is no way to predict the severity of an accident before it happens. A horrific-looking accident may cause little or no injury to those involved. Conversely, a seemingly harmless fender bender could leave someone with a permanent neck injury. The point is that liability claims are unpredictable and, if not adequately covered, could prove financially devastating to the at-fault driver. As we’ve explained, most personal auto insurance policies exclude liability coverage if the accident occurs while the vehicle is being used as a livery conveyance. This means that: 1) If you cause an accident while at work transporting passengers and are determined to be the at-fault driver, and 2) You are sued by an injured passenger or by another party for damages, then 3) Your personal auto insurance will contribute no dollars to cover those damages caused, nor will it pay your legal defense costs.

Medical Payments

Many personal auto insurance policies include a coverage called “medical payments.” This coverage will pay reasonable medical expenses resulting from injuries suffered by the vehicle’s passengers. Each injured person can receive up to the full coverage limit of medical payments (for example, $1,000). However, many policies will exclude medical payments to passengers if they are injured while the vehicle is being used as a livery conveyance.

Uninsured or Underinsured Motorist (UM/UIM)

This insurance is normally available to compensate passengers in your vehicle should they be injured in an accident caused by an at-fault driver who has no insurance (UM) or not enough insurance to pay the full cost of damages (UIM). However, many policies will exclude UM and UIM to passengers if they are injured while the vehicle is being used as a livery conveyance.
Snotherly Insurance Damaged Auto

Damage to your Vehicle:

Maybe it’s because your lender requires it. Or maybe it’s because you don’t have enough extra money to pay for it yourself. Regardless of why, many people purchase insurance to cover the cost of repairing their vehicle should it be damaged in an accident. This type of insurance goes by many names (“physical damage,” “damage to your auto,” “collision” and “comprehensive,” just to name a few) and is typically sold with a deductible. Normally, once the deductible amount is exceeded, the insurance company will pay to repair the vehicle or, if it’s totaled or stolen, pay the cash value of the vehicle at the time of the loss. Unfortunately, many personal auto insurance policies also exclude this coverage should the damage occur while the vehicle is being used as a livery conveyance.
Snotherly Insurance Ride Sharing Insurance

 

Protect Yourself:
The conclusion is clear: A typical personal auto insurance policy will not provide coverage while you are using your car as a livery conveyance, and an uninsured loss could greatly exceed the extra money you earn driving for a ride-for-hire service. Consult a Snotherly Insurance Agent whom can examine your policy, explain your coverages and outline your options to protect yourself before you sign on the dotted line and agree to transport your first fare.

Many entrepreneurs and small business owners use their personal vehicles for business—but this practice can be risky. In the event of an accident, your personal auto insurance policy might not cover you for business use, while your business owner’s policy (BOP) isn’t likely to help unless you’ve purchased a commercial auto add-on.
Not sure if you need to upgrade your insurance policy? Ask yourself these seven questions.

1. ARE ANY OF YOUR VEHICLES REGISTERED TO A BUSINESS?
Contractor Insurance Snotherly Insurance

This applies if your vehicle is registered to a business, partnership, or doing business as (DBA) entity.

 

 

 

 

 

 

 

2. DO YOU USE YOUR VEHICLE TO TRANSPORT GOODS OR CONDUCT SERVICES?
Business Automotive Insurnace Snotherly Insurance

Whether it’s construction materials or traveling between client offices, it counts.

 

 

 

 

 

 

3. DO YOU EARN MONEY BY TRANSPORTING PEOPLE AND/OR PROPERTY?

This puts you at risk of significant on-road exposure, so talk to your independent insurance agent about your options if this is true.

 

 

 

 

 

 

 

 

 

 

 

4. IS YOUR VEHICLE BUILT FOR WORKING OR HAULING?
Snotherly Insurance Trucking Haul Insurance

A vehicle with a gross weight of more than 10,000 pounds or one that is equipped with special features — like a snowplow — falls into this category.

 

 

 

 

 

5. ARE YOU DRIVING THE VEHICLE REGULARLY FOR BUSINESS USE?
Snotherly Insurance Business Auto Insurance

Think of regularly as more than three times a month — not including commuting, of course.

 

 

 

 

 

 

6. DO EMPLOYEES ROUTINELY DRIVE YOUR VEHICLE?
Snotherly Insurance Employee Driver

This applies if the driving is part of their job responsibilities

 

 

 

 

 

 

 

7. DOES YOUR BUSINESS USE NON-OWNED OR HIRED VEHICLES?
Snotherly Insurance Nonowned Auto Coverage

In this case, employees may be using their personal vehicles to conduct business or you may routinely drive rental cars for business purposes.
If you answered YES to any of the above questions it is likely that you need to upgrade to a commercial auto policy. Contact a Snotherly Insurance agent today to discuss further your specific business or individual automotive insurance needs.

Blog post originally published by Liberty Mutual here.

Hurricane Season is upon us. In fact, currently, the entire state of North Carolina is the anticipation of Hurricane Florence is estimated to land in merely 48 hours. It is important for all NC residents to prepare for this storm, and all storms in Hurricane season appropriately. This includes ensuring that emergency supplies and equipment are on hand, cash is available for post-hurricane needs such as buying food and
supplies, and/or paying contractors to remove trees, limbs, etc. for post-hurricane clean up if needed. Below, Snotherly Insurance list the top items and precautions that one may put into action when preparing for a Hurricane.

Your level of preparation before a hurricane can determine how well you weather the storm and how quickly you recover from it. You should start preparing your home, inside and out, long before a storm is in the forecast. In the end, you can never be too prepared when it comes to protecting your loved ones and your property from extreme weather events such as hurricanes.
KNOW THE FORECAST
Hurricane Florence Forecast
You may hear the terms “hurricane watch” and “hurricane warning” in your local forecast. Understanding the difference between them is essential to helping you prepare for a hurricane. As soon as a hurricane watch or warning is forecast for your area, it is important, depending on the type of alert, to immediately begin or complete your preparations.
A watch means hurricane conditions are possible within 48 hours. You should begin to stock up on emergency supplies in the event a warning is issued. If you live in a coastal area, you also should be prepared to evacuate.
A warning is more serious. Hurricane-force winds (74 mph or higher) are expected to hit your area within 36 hours. You should seek shelter or evacuate, if notified to do so.

GENERAL HURRICANE PREPARATION TIPS
Hurricane Preparation Tips

 

 

  • Prepare a survival kit that includes items such as water and non-perishable food for everyone, including your pets; medications; a portable radio; flashlights; batteries; and battery chargers for your cell phones and other portable electronic devices, which can be powered by your car.
  • Plan your evacuation route and leave as soon as an evacuation order is issued. Also, fuel up your car before you leave.
  • Build a content inventory of the items in your home or at your business.
  • Secure all outdoor objects or move them inside. Close your home’s storm shutters and board up windows and glass doors as appropriate.
    If possible, bring in gas or charcoal grills, but do not use them indoors. Also, do not store propane tanks inside the house or garage. Chain propane tanks in an upright position to a secure object away from your home.
  • Secure your boat or move it to a safer place.
  • Fill your emergency generator fuel tank, if you have one, and have spare fuel on hand. Store generator fuel in an approved container in a garage or shed, away from open flames, heat sources and appliances such as natural gas appliances.

TIPS TO PREPARE YOUR HOME FOR A HURRICANE
Snotherly Insurancve Home Preparedness

1. Help Avoid Water Damage Heavy rains have the potential to cause significant water damage. These tips can help you prepare your home.
Closing and locking all windows and doors and removing any window air conditioners.
Removing valuable items from your basement or elevating them off of the floor.
Clearing debris from exterior drains and gutters.
Repairing damaged gutters and downspouts to make sure water can drain away from your foundation.
Checking your sump pump and the battery backup to confirm they are working properly.

2. Monitor Your Trees
In a powerful windstorm, trees can be a hazard. Broken limbs or fallen trees — even uprooted shrubbery — could damage your home and fences, or your neighbor’s property.
Routinely maintain the trees around your home:
Prune tree limbs within 10 feet of your home.
Check for cracking or splitting in trees.
Remove dead limbs and weakened trees.
3. Roofs, Doors, Windows and Skylights
It is important to keep wall openings, such as doors, windows and skylights protected. The roof, doors and windows of your house are especially vulnerable to wind damage. When houses are exposed to hurricane force winds, roofs are most susceptible to damage, followed by walls and openings such as skylights.
Strengthen doors and windows by:
Installing reinforcing bolt kits at the top and bottom of doors.
Reinforcing garage doors.
Installing storm shutters over windows.
4. Secure Outdoor Items
If you live in an area that experiences high winds, outdoor items around your property that are not properly anchored can become airborne and cause damage.
If high winds are expected in your area, move as many outdoor items indoors well before the high winds arrive. As mentioned earlier, do not store propane tanks in your home or garage.
Adequately secure any remaining outdoor items that cannot be safely moved to protected areas.
5. Strengthen Your Exterior Structure
During a windstorm, wind forces are carried from the roof down to the exterior walls and then to the foundation. Homes can be damaged when wind and wind-driven water gets under the building’s exterior walls if proper controls are not in place.
Strengthen exteriors by employing a contractor to:
Install hurricane straps to reinforce roof-to-wall and wall-to-foundation connections.
Retrofit soffits to help ensure they remain in place in high winds.
Properly brace roof trusses.

Full article for Hurricane Preparedness can be accessed by clicking here

Ever had a bad day? What about a really, really bad day? Standard insurance coverage will most likely be able to handle your average bad day, but when you get into “really, really” territory, the consequences and claims could go well beyond the limits of your policy.
Adding extra padding to your current policy could be a financial life-saver and worth the cost. Our independent insurance agents will walk you through your top (PUP) personal umbrella policy options to make sure you have the proper coverage to tackle those hard-hitting claims.
WHAT IS UMBRELLA INSURANCE
Umbrella Insurance for Person
Simply put, a personal umbrella policy or a PUP is an extension of your liability insurance. It helps broaden and increase your protection. This can include significantly upping your coverage limit to relieve the financial strain of medical bills and legal fees in the event of an extremely costly accident.

 

 

 

 

WHAT DOES UMBRELLA INSURANCE COVER

  • Umbrella insurance protects you in liability situations where your home, auto or boat policies come up short. The extra coverage protects you in two ways—and here they are:
    Increases the dollar limit of liability coverage for primary policies: Say your auto insurance liability coverage limit is $300,000. If you purchase an umbrella policy of $1 million and cause an accident that exceeds your $300,000 auto insurance liability limit, your umbrella insurance can cover the remainder, up to a total of $1.3 million. That’s pretty huge.

  • Covers claims excluded by primary policies: Most liability policies don’t cover damage claims resulting from false arrest, libel, slander or defamation of character. Should one of these nightmare situations occur, your umbrella policy can help you tackle the financial burden. Another huge bonus.​

WHY SHOULD I BUY UMBRELLA INSURANCE

Umbrella insurance is surprisingly inexpensive, especially considering everything it can do. It would be a shame to get stuck with massive bills if the unexpected strikes, when it could have all been covered at a fraction of the cost. Liability incidents come in all shapes and sizes, so being ready for everything from the itty to the not so bitty is key for your financial future.

This article was originally published by Trusted Choice. Access to full article can be found here.

Speak to a Snotherly Insurance agent today for more details!

More than half of all U.S. businesses – 52% – are based in the home, according to the U.S. Census Bureau. A recent study commissioned by the Independent Insurance Agents & Brokers of America found that nearly 60% of home-based businesses do not have insurance coverage.

“When asked about the lack of insurance, nearly 40% of home-based business owners say they thought they were protected by some other type of coverage, while almost 30% say their businesses are too small to insure,” the IIABA said. “Notably, nearly 20% could not give a reason for not having insurance.”
Homeowners insurance covers incidents such as loss or theft of personal property. But if a delivery person slips and falls on your property or your business equipment is destroyed in a fire, homeowners insurance won’t protect you. Without coverage specifically designed for your home business, you put your livelihood, and possibly that of your employees, at risk. That’s why home-based business insurance is a good idea.

CHOOSING THE RIGHT POLICY:

No matter how small your home-based business, make sure you’re protected with the right coverage. There are three main property and liability options for home-based business insurance:
Homeowners policy endorsements: Adding an endorsement, also known as a rider, to your existing homeowners policy is often the simplest and most affordable way to insure smaller home businesses that don’t manufacture products on the premises or use a lot of equipment. Endorsements are also a good fit for solo entrepreneurs with few business-related visitors.
In-home business policy: Combining home and business insurance into a single plan, this type of policy offers more specific types of coverage. This policy is a step up from a basic homeowners policy endorsement, offering a greater range of coverage for a growing business. If your in-home business has developed into a mid-level operation with more visitors, equipment and output, this may be the policy for you. Such a policy may include more extensive property and liability coverage than endorsements, as well as business interruption coverage, which protects your income in the event your business is disrupted because of a disaster.
Examples of what kinds of businesses would use this policy include a small baking operation that meets with clients in person and also does all baking, orders and shipping in-house; a clothing designer who fits clients, as well as manufactures and ships goods, from home or an accountant who makes regular in-person appointments and uses certain rooms in the house as dedicated office space.
Business owners policy: Often referred to as a BOP, this type of policy is the most comprehensive form of coverage for home-based businesses. It offers protection for claims brought by contractors, customers and employees, making it a good option for larger home-based businesses. It’s also the best fit for in-home businesses that operate in multiple locations or require extensive travel off-site.
ADDITIONAL COVERAGE:

Whichever policy you consider best for the size and type of your business, be aware that you may need additional coverage not included in a standard plan. Here are some additional coverage options you may want to discuss with your insurance agent, if the plan you’re considering doesn’t include them:
Data compromise coverage: Helps protect you and your business from legal action stemming from a security breach that compromises confidential customer or client information.
Employment practices coverage: Protects against claims brought against you and your business by your employees.
Key person insurance: Basically life insurance on a person critical to the success of a business such as the owner, founder or a key employee, without whom the company might fail.
Most states require home-based businesses to purchase workers’ compensation insurance for employees, but purchasing this coverage is a smart move even if not mandated by law.
As you can see, in-home business insurance isn’t a one-size-fits-all consideration. Talk to a Snotherly Insurance agent about the best coverage for your home-based business.

Choices, choices, choices. With the increase of residential apartments in the Raleigh area recently, it is no secret that renters have a multitude of choices when it come’s to choosing an apartment to call home. However, alongside options such as locations, demographics, and the array of amenities that renter’s may receive, we as an agency tend to pose the question “should purchasing renter’s insurance be an option”? The answer in our opinion would be simply “No”. Habitually, it seems that property managers and even apartment owners will leave this decision completely up to their tenants. After all, it’s their belongings, so it’s their problem if an accident occurs, right? In actuality, yet again this answer is “No”. A Renter’s Insurance policy can be jointly beneficial for not just the tenant, but also the apartment company and even property manager. Below we list 3 important features concerning a renter’s policy that every property manager should not only know but consider when contemplating if tenants in an apartment community are required to carry renter’s insurance.

1. IT REDUCES THE THREAT OF LAWSUITS
Snotherly Insurance Renters Insurance Blog
In the event that a catastrophic loss or claim were to occur the possibility of a tenant losing all personal belongings could be at stake. It is not uncommon for tenants, who have failed to purchase renters insurance, to potentially sue their fellow apartment complex or even property manager in an attempt to recoup their lost assets, as well as the incurred expenses that may accumulate while the unit is being repaired. Ensuring that every resident carries an active renters policy may eliminate the possibility of a threat of a lawsuit over a matter such as this from occurring.

 

 

2. IT DOESN’T JUST COVER THE TENANTS STUFF
Snotherly Insurance Apartment Blog
Like a Homeowners Insurance policy a renters policy does provide liability protection for the policy owner, which can ultimately eliminate the risk of a tenant attempting to hold a property manager or their complex liable for an accident. Consider the following scenario: A tenant invites guests into his/her apartment home. While present in the home, one of the guests is injured as a wall attached shelf unexpectedly falls and ultimately collapses on the guests head The guests appears to be ok, however, a broken nose and possible stitches will be required. The liability coverage found in most renters policies can provide coverage for the hospital expense as well as legal proceedings from the injury. It is important for property managers to understand that in the event that the unit owner is not appropriately insured, an injured party could attempt to file a claim and even law charges against the apartment company.

 

 

3. YOUR TIME, ATTENTION & EFFORTS MAY BE FREED
Snotherly Insurance Renters Insurance

Making renters insurance mandatory in an apartment or condominium community may not only protect the property manager and apartment complex, it ultimately can provide a sense of ease in simply knowing that every tenant is appropriately covered and protected therefore less involvement, time and attention will most likely be required from the apartment staff to address the issue. All paperwork, timely phone calls, meetings with claim adjusters and restoration companies and overall stress that result from a loss may be lessened as the majority of these responsibilities can either be shared or handled by the renters insurance policy.

In a recent Nationwide Insurance study, it was estimated that nearly 50% of all renters ages 23-29 do not carry renters insurance. The absence of a renters policy results in not only renter’s being unprotected, but property managers as well. It is for this reason, that it may not be enough to simply recommend renters insurance to residents of a community, but make it a mandatory requirement. To ensure that residents are cooperating with this requirement, it would be good practice for property managers and apartment company staff to perform a residential policy review on their tenants on a quarterly basis.

For more information concerning Renters Insurance or a quote for Renters Insurance contact us directly at snotherlyinsurance@gmail.com or simply complete the contact form by clicking here

Location is one of the first decisions every caterer must face. Specifically, where will the prep work be done? Where will the cooking take place? Where will the preparations and cooking be finished, if they aren’t completed at the original location? Where will the food be served?

The answers to each of those questions will dictate further considerations. For example, how will finished food, condiments and garnishments prepared at one location be kept properly hot or cold while being transported to the serving location, and while being served? And what health regulations and requirements must be met at each step?

Clearly each location used in the catering process has its own specific needs for equipment, procedures and staff. Each also creates risks of loss if the procedures, equipment or staff fail to meet required standards for health, food safety and successful contract fulfillment. Turn to a Trusted Choice Independent Insurance Agency such as Snotherly Insurance when it comes to risks of loss for your catering business.

Snotherly Insurance Agency is trained and experienced to help you uncover, estimate, analyze, and minimize or eliminate your exposure to loss. And while proud to provide those services for any client, we know that your catering business has unique needs for protection that go beyond those of other businesses and will recommend and obtain protection for those unique risks. A few examples:
1. TRANSPORTATION:
Catering Insurance Snotherly InsuranceSpecial equipment and proper vehicles are required to protect your food while in route to widely varying locations—destination weddings, backyard receptions, beachside cookouts. Depending upon the type of vehicle and planned usage, the auto insurance requirements can vary. And coverage for the food itself and equipment carried in the vehicle typically requires a separate policy from that covering.

2. FOOD SAFETY:
Snotherly Insurance Food Safety
Your catering business needs contamination and spoilage insurance. The specific risks of contamination or spoilage can vary greatly between a caterer who largely prepares and serves food onsite, as opposed to one who prepares the majority or all food in a commercial kitchen, then transports and serves at off-site client locations.

 

 

 

3. LIABILITY:
Picture

While any business needs liability protection, the nature of catering can create additional exposures. These would include protection against liability arising at the prep and cooking location, created end route by your method of transportation, and arising from the characteristics of the final serving location. Serving alcoholic beverages creates a potentially major additional set of risks.

 

 

 

 

 

 

4. LOSS OF BUSINESS INCOME:
Catering Insurance Loss of Income Snotherly Insurance
This is another risk faced by any business, but you need to be sure your coverage properly addresses the unique cash flow of your catering business. For example, consider the effects of event cancellations due to weather, a key supplier’s failure to deliver, losses due to a traffic accident or fire loss at the supplier location: Under what circumstances, if any, may your coverage apply to your financial loss?
While that may seem a weighty list, the great news is protection and risk management is exactly where your we stand ready to help. Schedule a complete review of your catering protection needs today, so you can focus completely on building your successful business tomorrow.

Snotherly Insurance Food Truck Blog

Pictured above: Food Truck: Jeffrey’s Grill ready to serve at Raleigh Brewing Company
     Considering owning a Food Truck? Congratulations! That is a wonderful idea! For many, who desire to own their own restaurant business, a Food Truck can serve as an essential first step in understanding the ins and outs of the restaurant industry. By owning a Food Truck, an entrepreneur has the opportunity to reach customers in various different areas meanwhile spreading their brand name and for many, a Food Truck will serve as the first step in them owning a restaurant business before acquiring a brick and mortar location. Conversely, there are fellow existing restaurant owners that may wish to expand their businesses by offering Food Truck services as well. Whether you’re considering purchasing your first Food Truck or are an existing brick and mortar restaurant owner that is considering venturing into the Food Truck market, understanding Mobile Food Truck Insurance for your businesses will prove to be essential to your success in these specific operations. Below, Snotherly Insurance list 5 critical elements that all Food Truck Owners should be aware of when purchasing Food Truck Insurance and Food Trailer Insurance.

1. AUTOMOTIVE INSURANCE IS NOT ENOUGH!

Food Truck Insurance Auto

Yes, you may own a moving automobile and in the state of North Carolina you are legally required to carry automotive insurance on this product. However, many companies may claim to offer Food Truck Insurance and by this term they only offer a standard Commercial Auto Insurance policy for your Food Truck. Although this specific type of insurance is essential (and legally required) for your Food Truck business, it performs the exact purpose as the Car Insurance policy you most likely have been carrying since you were the age of 16. It provides protection for the Mobile Food Automobile while being driven and offers the option of purchasing Comprehensive and Collision coverage to protect the physical truck as well. Food Truck Business Owners should also strive to purchase large limits of this Automobile Liability Insurance as the standard limits that can be found on most personal car insurance policies may not be sufficient protection for this operation. Snotherly Insurance recommends our customers carry limits of at least $500,000 to $1,000,000 of Food Truck Liability Insurance including the same Uninsured and Underinsured limits as well.

2. PROOFS OF INSURANCE

Snotherly Insurance Raleigh Food Truck Rodeo

Charlie’s Kabobs on Wheels serving patrons at 2018 Raleigh Food Truck Rodeo in Raleigh
Once a Food Truck Business is in operation, a proof of insurance from your local insurance agency or insurance company can often serve as the golden ticket required for your Food Truck operation to serve in well-populated places. Food Truck Rodeos, college campuses, museums, outdoor festivals, local breweries and an array of other opportunities will most likely always require a Proof of Insurance from your Food Truck Business before you may be considered to operate on their premise. With that being said, it is ideal for any Food Truck operator to have an insurance agent or local agency that he/she can rely on to produce this specific document swiftly and appropriately to ensure that your operation does not miss out on selling and serving opportunities due to the failure to provide accurate documentation.

3. BUSINESS INSURANCE IS A MUST!

Chick N Que Food TruckQueen Harris of Chick N Que Food Truck serving

As stated above. A simple Commercial Auto policy is not sufficient enough to protect all risks that come with owning and operating a Food Truck operation. In fact, all Food Truck Business Owners should have a General Liability Policy or Business Owners policy that protects their business from serving…well..you guessed it, FOOD! A Food Truck Liability policy can protect your business from not only the serving of food, but will provide protection from a variety of dangers that restaurants encounter such as injuring a patron, serving uncooked or unintended items in foods, coverage from fire, etc. Food Truck Liability Insurance can be purchased as a separate policy alongside a Commercial Auto Policy or many insurance companies may provide this coverage with the auto protection as a package. It is important to understand the differences between these two lines of insurance and confirm that your Food Truck operation has both in place.


4. PROPERTY INSURANCE-

Food Truck Insurance Property

Did you know many standard auto policies exclude property coverage for Food Trucks over a specific low limit? We actually learned this matter first hand, as one of our clients spent nearly $70,000 for kitchen equipment inside his Food Truck only to learn that his current Food Truck Insurance policy provided a maximum limit of only $10,000! In addition to kitchen equipment, this specific client had purchased many cosmetic extras including large speakers, an amplifier, and lights. Our clients’ situation is a fine example that illustrates an owner’s need for appropriate property insurance. The equipment, contents, and personal property for the restaurant should all be protected, and many policies also provide coverage for equipment breakdown and even loss of business income in the event that you’re equipment malfunctions or fails to work properly.


5.  WORKERS COMPENSATION –

Workers Compensation Food Truck Insurance

The last and final matter of insurance that ALL business owners (not just restaurant or Food Truck owners) should be mindful of involves protection for your employees. Even though, this specific type of insurance may not apply to start-up operations, if your Food Truck desires involve expanding to a second truck or even a brick and mortar location, insurance coverage for the employees that you hire will be a necessity. Food Truck Workers Compensation Insurance can be extremely affordable and may not only protect your employees but protect your business in the event that an employee is injured and requires medical attention and/or legal action.

     All of the above listed Food Trailer Insurance topics can be frequently offered by many standard business insurance companies. Once, Food Truck Liability Insurance, Commercial Auto Liability Insurance, Food Truck Property Insurance, Workers Compensation Insurance and matters of Proofs of Insurance are in place, you can essentially check matters of “Insurance” off of your list for the time being and focus on making your Food Truck Business a success. Further recommendations regarding NonOwned Automobile coverage, Commercial Umbrella coverage, Employee Dishonesty and other ancillary coverage’s can be recommended and purchased, however, the above mentioned 5 factors should be addressed initially in the start-up of any Food Truck operation. Snotherly Insurance offers Food Truck Liability Insurance for businesses throughout the state of North Carolina. For more information email us at snotherlyinsurance@gmail.com or click here  

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