Category: Business Insurance

Managing the Holiday Demand Surge: Staffing, Scheduling, and Liability for NEMT Companies

Written By Charlotte Insurance on November 5, 2026. It has 0 comments.

Senior passenger riding in a non-emergency medical transport van

The holiday season tends to be busy for everyone, including NEMT companies. With the end of the year coming up, your employees more than likely have some PTO (paid time off) that they’d like to use, possibly leaving your business short-staffed. Add in the increased number of patient appointments that are scheduled around the holidays, […]

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Fall Driving Hazards for NEMT Fleets: Wet Leaves, Early Darkness, School Zones

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

wet leaves in the road

Autumn weather is often beautiful. The leaves start changing colors, the air smells clean and fresh, and the sunsets are amazing. However, there can be a downside to the season. The weather is great sometimes, but it can also be rainy and dark, thanks to the time change. When you consider the potential autumn hazards […]

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Trade-In & Consignment Vehicles: Closing Insurance Gaps During Model-Year Changeover

Written By Charlotte Insurance on September 28, 2026. It has 0 comments.

2 vehicles parked in a dealership's lot

Even though next years’ new car models are technically dated “2027,” this doesn’t mean you have to wait until January for them to appear on your lot. Instead, these vehicles appear on auto lots like yours in the fall, giving customers something to look forward to. While this time of year may be great for […]

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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 […]

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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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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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