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Hurricane & Severe Weather Response Plans for NEMT Providers: Protecting Vulnerable Passengers

Written By Charlotte Insurance on September 15, 2026. It has 0 comments.

a NEMT driver transporting a patient during a hurricane

Things can turn bad very quickly when severe weather hits during a patient transport. Although these passengers are on a non-emergency transport (NEMT) vehicle and are typically in better shape than those in an ambulance, they do tend to have precarious health situations that you need to keep in mind when putting together a hurricane […]

Written By Charlotte Insurance on September 9, 2026. It has 0 comments.

a road sign that reads "hurricane season"

Expensive coastal properties are not only a way to add assets to your portfolio, but they provide your family with another gathering place when the weather is gorgeous, and you want to take advantage. However, there’s a darker side to these houses: the chances of them getting damaged in a windstorm go up a little […]

Written By Charlotte Insurance on August 21, 2026. It has 0 comments.

a water leak in a home covered by high-net-worth insurance policies

The last thing you need is for your expensive home to be damaged by water. Unlike other forms of damage, like those caused by the wind, water is much more insidious. Sometimes you don’t even notice the leak until it causes major damage to your walls, foundation, and flooring. Not only does water cause that […]

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

an auto dealership's lot covered by an open lot insurance policy

Automobile dealership owners have a number of things to worry about. After all, their inventory is expensive, on wheels, and left out in the open a majority of the time. This is why there are so many different types of insurance available for dealerships, ranging from standard commercial property policies to those that cover the […]

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

As the president of an HOA or homeowner’s association, cyber criminals are the last thing on your mind. Who would hack an HOA? What information would they take? Well, if your HOA requires members to pay dues and fill out and sign application forms, there’s actually quite a bit of private info available for hackers […]

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

Summer heat can be bad for those in good health, leaving them overheated, dehydrated, and close to heat exhaustion if they aren’t careful on those sizzling summer days. Now imagine what it’s like for someone with a chronic illness who needs to take a NEMT (also known as Non-Emergency Transport) vehicle to and from their […]

Written By Charlotte Insurance on July 26, 2026. It has 0 comments.

an HOA board members discussing their need for directors and officers insurance

It’s easy to believe that directors and officers insurance doesn’t apply to your HOA board, because those board members are volunteers. They do a lot for the community and are in charge of making some big decisions, just like paid board members, so they need to have the same protections in place. After all, sometimes […]

Written By Charlotte Insurance on July 20, 2026. It has 0 comments.

Along with the rising cost of everything else, deductibles for homeowner’s associations and condo associations have gone up exponentially. This is based on a number of things, ranging from the rise in claims due to weather-related events, as well as the overall worth of the properties within the HOA. Since the deductibles are paid for […]

Written By Charlotte Insurance on July 14, 2026. It has 0 comments.

a condo being used as a short term tental that needs insurance coverage

Condos and homeowner’s associations in warm weather areas are filled with owners who want to rent out their properties on Airbnb and VRBO in order to make some extra money when they’re not living there. While these short-term rental properties are a great way for the property owners to make extra money, they create a […]

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

Water damage can be one of your worst nightmares. Mitigating it involves removing and repairing the source of the water, cleaning up the damage that the flood left behind, and dealing with mold remediation and other things. All of these can add up to a very expensive fix. Then there’s the dreaded question: Will your […]

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Blog

Hurricane & Severe Weather Response Plans for NEMT Providers: Protecting Vulnerable Passengers

Written By Charlotte Insurance on September 15, 2026. It has 0 comments.

Hurricane Season Insurance Checklist for Coastal & Vacation Properties

Written By Charlotte Insurance on September 9, 2026. It has 0 comments.

Water Backup and Hidden Water Damage: The Most Expensive Gaps in High-Net-Worth Policies

Written By Charlotte Insurance on August 21, 2026. It has 0 comments.

Open Lot Insurance Limits and Deductibles: How to Set Them for Peak Inventory Months

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

Cyber and Crime Risk for HOAs: Phishing, Wire Fraud, and Why Crime Coverage Matters

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

Heat and Summer Operations: Passenger Safety Protocols and Liability Exposure

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

Directors and Officers Insurance for HOA Boards: Why Volunteer Board Members Need Protection

Written By Charlotte Insurance on July 26, 2026. It has 0 comments.

HOA Insurance Deductibles and Special Assessments: What Board Members Should Know

Written By Charlotte Insurance on July 20, 2026. It has 0 comments.

Short-Term Rentals in Condo Associations and HOAs: Insurance Risks for Boards and Unit Owners

Written By Charlotte Insurance on July 14, 2026. It has 0 comments.

Water Damage in Condo Associations: Who Pays When a Leak Spreads Between Units?

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