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Curb-to-Curb vs Door-to-Door: How Service Models Change Liability Expectations

Written By Charlotte Insurance on June 22, 2026. It has 0 comments.

a NEMT company that recently transitioned from curb-to-curb to a door-to-door business model helping a client into their car.

NEMT, or Non-Emergency Medical Transport, companies have several different services models to choose from. The most popular are curb-to-curb and door-to-door. Despite the similar sounding names, these services are quite different both in what the customer receives and how they’re insured. After all, with great care and additional assistance come more potential liability issues, and […]

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High-Net-Worth Umbrella Policies: How to Pick Limits That Match Your Real Risk

Written By Charlotte Insurance on June 17, 2026. It has 0 comments.

an umbrella being used in the rain to protect the individual holding it - similar to the way an umbrella insurance policy can protect high net worth individuals.

High-net-worth individuals don’t just have a lot of money in the bank, they also have quite a bit invested in things like designer handbags and watches, vehicles, and art. All of these tend to be a bit flashy, no matter how hard you try to stay understated, putting you and your family at risk for […]

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Employee Driving and Off-Hours Use: How to Avoid “Unauthorized Driver” Claim Problems

Written By Charlotte Insurance on June 10, 2026. It has 0 comments.

a car inside of a dealership that needs protection from unauthorized drivers.

Dealerships often let their employees drive their merchandise. Whether they’re taking the vehicle for a test drive right after it arrived on the lot or have to pick up something for the office, there are numerous reasons why auto dealership employees end up behind the wheel. This works out fine, insurance-wise, as long as the […]

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Pool Season Liability: Rules, Signage, and Risk Controls That Reduce Losses

Written By Charlotte Insurance on June 4, 2026. It has 0 comments.

a pool inside of an HOA

Pool season is upon us. If you own a condo, HOA, or apartment building, you’ve no doubt fielded requests about opening the pool. These pools and the spaces around them are where tenants and homeowners go to relax, spend some time in the water, and socialize with their neighbors. Unfortunately, community pools have some downsides, […]

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Teen Drivers and Luxury Vehicles: How to Set Rules and Coverage Before Summer Starts – High Net Worth Audience

Written By Charlotte Insurance on May 25, 2026. It has 0 comments.

a luxury car belonging a teenager parker in their driveway

Summertime is when your teenagers get a break from the hustle and bustle of school. They may have jobs or internships during these warmer months, but without the pressure of school and extracurriculars, they have some freedom to drive around and hang out with their friends. Of course, with this comes the usual teenage shenanigans, […]

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Spring Maintenance and Insurance: Roof, Gutters, and Water Intrusion Prevention Checklist

Written By Charlotte Insurance on May 13, 2026. It has 0 comments.

overflowing gutters that need to be cleaned as part of an HOA or condo association's spring maintenance

Springtime brings bright flowers, warm sunshine, and beautiful blooming trees. But it also brings rain, which can damage the structure of your condos, HOA buildings, and apartment complexes if your gutters aren’t working properly. Before the rainy season hits, it’s important to make sure to conduct some spring maintenance on your building lest you end […]

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Pre-Trip Inspections That Actually Prevent Claims: Lifts, Straps, Tires, and Brakes

Written By Charlotte Insurance on May 13, 2026. It has 0 comments.

an NEMT vehicle about to be reviewed as part of their pre-trip inspection

Running an NEMT, or non-emergency transportation, business requires you to keep track of many things, especially those that easily get overlooked, like pre-trip inspections. It’s easy for drivers to say, “I just drove this vehicle yesterday, it’s fine,” but skipping this crucial step to save time can be disastrous. Simply put, not conducting these inspections […]

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Lot Hail Readiness Plan: What to Do Before the First Storm Hits

Written By Charlotte Insurance on May 7, 2026. It has 0 comments.

a hail damaged car on a dealership's lot

Warmer weather brings heavy rainstorms with it, especially those that include hail. Whether those ice crystals are the size of a dime or a golf ball, they can cause damage to the vehicles on your lot. Since these make up your inventory, it’s problematic when those dents, dings, and broken windows are left behind by […]

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Wind, Hail, and Rain: Protecting Your Lot Inventory Against the Biggest Losses

Written By Charlotte Insurance on April 10, 2026. It has 0 comments.

hail that could have caused many losses at a car dealership

Do you know what every car dealership owner’s biggest fear is? Storms. Windstorms, rainstorms, and those random bursts of hail that pop up when you least expect them can damage the vehicles in your inventory, especially the ones that are left outside on the lot. While dealer open lot insurance is designed for this very […]

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Incident Response for NEMT: What to Do After a Passenger Injury or Auto Accident

Written By Charlotte Insurance on April 10, 2026. It has 0 comments.

Accidents happen, even to the most experienced drivers. When a car crash leads to a passenger injury, what should your driver do? First and foremost, they need to call the authorities and make sure that the patient is as safe as possible and that the scene is secure and safe. After this, they can start […]

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