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INSURANCE FOR RIDE-SHARING? ARE YOU COVERD?
By Alex Snotherly | July 17, 2019 | 0 comments

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...
7 QUESTIONS TO ASK BEFORE UPGRADING TO COMMERCIAL AUTO INSURANCE
By Alex Snotherly | July 17, 2019 | 0 comments

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 ownerâ€...
BEST TIPS TO PREPARE FOR A HURRICANE
By Alex Snotherly | July 17, 2019 | 0 comments

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 H...
GETTING THE BEST UMBRELLA INSURANCE
By Alex Snotherly | July 17, 2019 | 0 comments

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 l...
PROTECT YOUR HOME BASED BUSINESS WITH THE RIGHT INSURANCE
By Alex Snotherly | July 17, 2019 | 0 comments

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 n...
RENTERS INSURANCE: IS IT A RECOMMENDATION OR A REQUIREMENT?
By Alex Snotherly | July 17, 2019 | 0 comments

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 ...
CATERING INSURANCE: THINK LOCATION….LOCATION…LOCATION
By Alex Snotherly | July 16, 2019 | 0 comments

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 loc...
FOOD TRUCK INSURANCE- 5 ITEMS EVERY FOOD TRUCK OWNER SHOULD CONSIDER
By Alex Snotherly | July 16, 2019 | 0 comments

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 c...
CANCELLING YOUR CAR INSURANCE?
By Alex Snotherly | July 16, 2019 | 0 comments

Canceling your car insurance?  Did you know you could receive a hefty fine from the North Carolina DMV if you neglect to send in your license plate tags after canceling your liability insurance? This amendment is rarely mentioned by the DMV however,...
UNINSURED CONTRACTORS – A CONTRACTORS LARGEST GAMBLE
By Alex Snotherly | July 16, 2019 | 0 comments

The Ultimate Gamble: Failing to ask for your Sub Contractor’s Insurance  Not long ago, general contractors (GCs) would have been hard-pressed to build a house if they required their subcontractors to use fall protection. Subs would simply work...
THE DANGERS OF TURNING A BLIND EYE
By Alex Snotherly | July 16, 2019 | 0 comments

What if water damage ruins the recently laid hardwood floors because of the plumber’s mistake? What if the electrician accidentally burns down the nearly completed house? Their limits of insurance will suggest whether the claim will be paid in full...
RECOMMENDED REQUIREMENTS
By Alex Snotherly | July 16, 2019 | 0 comments

At a minimum, subs should have policies for workers’ compensation, general liability, and auto (if they have owned, hired, or non-owned vehicles). More specifically, GCs should ensure that their subs are carrying appropriate minimum limits. Typical...
PROPER CERTIFICATE REVIEW
By Alex Snotherly | July 16, 2019 | 0 comments

How can general contractors be certain their subs carry the recommended insurance? Certificates of Insurance(COIs) offer this peace of mind. If you refuse to pay subs until they provide a COI, you leave your company at considerable risk. Do not let a...
BOTTOMLINE: DON’T GAMBLE ON INSURANCE
By Alex Snotherly | July 16, 2019 | 0 comments

Before long, your subs will not think twice about carrying the insurance you require. Until then, you may be a bit unpopular for specifying insurance requirements, but you will sleep well knowing you have mitigated your company’s financial risks an...