Is Your Pharmacy’s Delivery Service Protected? Commercial Auto Tips for 2026

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

pharmacy delivery service dropping off a package after securing the right insurance

Key Takeaways Match your policy to how vehicles are used: owned, hired/leased, or employee-owned. Don’t assume personal auto covers delivery – most policies have business-use gaps. Set liability limits that fit pharmacy delivery exposures and local requirements. Add physical damage coverage if your pharmacy owns vehicles (or wants stronger protection). Use endorsements and umbrella coverage […]

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How to Align Your Insurance with Lean Manufacturing Goals

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

a lean manufacturing facility in need of insurance

Key Takeaways Use risk assessments to spot operational “waste” that creates preventable losses and coverage gaps. Preventive and predictive maintenance can reduce breakdown claims and support better underwriting outcomes. Pair lean safety culture with smart workers’ comp practices to protect people and control costs. Turn claims and loss-run data into continuous improvement inputs—not just paperwork. […]

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Year-End Insurance Checklist for Businesses: What to Review Before January 1

Written By Charlotte Insurance on December 20, 2025. It has 0 comments.

wooden blocks with the words 'year end review' written on them

The end of the calendar year is a suitable time for businesses to review their operations, budgets, business forecasts, and most importantly, their insurance policies. Many things can change over the course of the year that can make your insurance policies insufficient. Adding new employees, creating new product categories, and investing in new equipment are […]

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HIPAA Compliance: Year-End Risk Review for Pharmacies

Written By Charlotte Insurance on December 15, 2025. It has 0 comments.

a pharmacist reviewing their HIPAA compliance

End of year risk and compliance reviews should be conducted by all businesses, especially pharmacies. As the regulations, like HIPAA, certifications, such as those required by your PBMs or Pharmacy Benefit Managers, and other related statutes that your pharmacy must adhere to, change on a regular basis, it’s crucial to do these end-of-year reviews. In […]

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New Equipment in the New Year? Update Your Insurance Now

Written By Charlotte Insurance on December 8, 2025. It has 0 comments.

a team in a manufacturing facility inspecting new equipment

Successfully running a business requires some forethought and planning. Your board of directors no doubt meets monthly to go over profit statements and plan how to grow the business. For manufacturing companies, this usually includes the addition of new equipment to cover the needs of a new or expanded product line. But what happens when […]

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Cyber Monday and Data Breach Risk: What Your Retail Business Needs to Know

Written By Charlotte Insurance on November 17, 2025. It has 0 comments.

a pharmacist looking into cyber liability insurance Cyber Monday and Data Breach Risk What Your Retail Business Needs to Know

The holidays are a time of high crime, both physical (robberies) and virtual (hackers). Is your pharmacy or small retail business ready for any cybercrimes that may be committed? Targeting Small Businesses It’s common for small retailers to believe that their systems are safe, as it seems likely that only larger companies get targeted by […]

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How to Insure Specialized Manufacturing Equipment and Tooling

Written By Charlotte Insurance on November 13, 2025. It has 0 comments.

a man reviewing his manufacturing insurance policy. How to Insure Specialized Manufacturing Equipment and Tooling

Your company spent a lot of money on custom tools and specialized manufacturing equipment. But what happens when that machinery breaks down, tools are stolen, or your equipment malfunctions? Not only could your business be in trouble, as it’s unable to meet customer needs, but you also may end up paying thousands out of pocket […]

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October Is National Pharmacist Month: Are You Protecting Your Staff with the Right Coverage?

Written By Charlotte Insurance on October 22, 2025. It has 0 comments.

October Is National Pharmacist Month Are You Protecting Your Staff with the Right Coverage

Pharmacists and their assistants work hard every day providing patients with their medications as prescribed. They also check for errors in the prescriptions to ensure that the dosages are correct, as well as examine the other medications that patients are taking to look for contraindications. With all of the things that they have to do […]

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Cybersecurity Awareness Month: Why Every Business Needs Cyber Liability Coverage

Written By Charlotte Insurance on October 16, 2025. It has 0 comments.

Cybersecurity Awareness Month - Business Cyber Liability Coverage

You need to keep every part of your business safe, not just your physical location, right? Every business puts locks on the doors when they close their store or service center for the night in order to prevent criminals from gaining access and stealing their merchandise, tools, and other goods. It’s the same thing with […]

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Fire Prevention Month: Are Your Commercial Properties Properly Protected?

Written By Charlotte Insurance on October 5, 2025. It has 0 comments.

Fire Prevention Month Are Your Commercial Properties Properly Protected

Structure fires can start in many different ways. Some come from the kitchen, where an appliance malfunctioned or some grease caught on fire. Others are caused by faulty wiring or simply homeowner or tenant mistakes. What do all of these things have in common? They cause damage to the buildings in your homeowner’s association (HOA), […]

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