Category: Business Insurance

5 Reasons You Need Business Insurance

Written By Charlotte Insurance on July 26, 2016. It has 0 comments.

You’ve got a solid business plan. Your budget, financial projections, and marketing plan are current. Your plans have contingency plans.

Basically, you’ve thought of everything, planned for everything, and can’t imagine anything surprising you.

Think again.

If you don’t have business insurance because you think you’re ready for anything or because you’ve calculated the odds of something happening, you could be in for a big shock. It only takes one freak accident or one random lawsuit to ruin a business.

Still not convinced? Take a look at these 5 reasons you need to insure your business.

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What you Need to Know About Data Breaches

Written By Charlotte Insurance on April 11, 2016. It has 0 comments.

Data breaches are inevitable. Could your business be next?
We’re living in the most technologically advanced time in history. There’s more computing power in our smartphone than what was used to send men to the moon. Buying products or services can be done at the touch of a button or the scan of a screen.

The world has gone digital, and so has our data. Because of this, data breaches are common and inevitable.

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6 Overlooked Business Insurance Policies

Written By Charlotte Insurance on January 27, 2016. It has 0 comments.

In business, anything can happen at anytime. Someone can get hurt. An angry employee may sue. Your database may be hacked. Not everything will be covered by your basic business insurance policy. Before you’re faced with major headaches, skyrocketing expenses, and unplanned perils, find out what kind of insurance you may need that you overlooked in the past.

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Start the New Year Off Right with an Account Review

Written By Charlotte Insurance on December 21, 2015. It has 0 comments.

The new year is a time to set new goals, make new plans, and dream new dreams. It’s also a time to get yourself on the right track for the year ahead. Having the right insurance policies in place is an excellent way to make sure that, when life happens (and it will), you’re covered.

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Hosting a Company Holiday Party? Limit your Liability

Written By Charlotte Insurance on December 7, 2015. It has 0 comments.

The end of the year company holiday party may be one of the most anticipated events of the year for your company. Secret Santa traditions, ugly holiday sweaters, or simply unwinding and celebrating the end of a busy year – everyone has their reasons to enjoy the company party, but as the business owner, you should know it’s not without its risks, either.

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Hotels and Cyber Risk

Written By Charlotte Insurance on October 28, 2015. It has 0 comments.

In early 2015, the White Lodging Services Corporation, a franchisee of hotels including Marriott properties based in Indiana, reported a seven month long cyber breach. It’s every hotel owners worst nightmare. Following a malware issue they believed had been corrected, the point of sale systems for food and beverage locations at 10 properties were insecure and fell victim to a cyber breach. The names, credit card numbers, expiration dates, and security codes from credit card purchases were obtained in the breach. The company was not completely blind to the need for security measures.

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Independent Contractors and Workers Compensation

Written By Charlotte Insurance on October 26, 2015. It has 0 comments.

When your business is growing, it’s often necessary to bring on extra help to make sure that you don’t fall behind. The use of independent contractors can definitely help fill this need but it can come with some risk. How exactly will hiring independent contractors affect your workers compensation insurance policy?

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What’s the Difference Between Excess Liability and Umbrella Insurance?

Written By Charlotte Insurance on October 19, 2015. It has 0 comments.

As a business owner, you often hear horror stories of accidents, lawsuits, and large settlements being awarded. You shudder to think what something similar would cost you, especially knowing your liability insurance limits. You may even have heard of excess liability and umbrella insurance policies.

The two terms are often used interchangeably, and it’s easy to think that they’re one and the same.

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Healthy Drivers are Happy Drivers

Written By Charlotte Insurance on October 16, 2015. It has 0 comments.

As the owner of a transportation business, you know that a good driver helps you build your business, and a bad driver costs you money, time, and reputation. You know that mistakes on the road don’t just cost money, they can cost lives, too.

Your drivers are your company’s biggest asset. Check out these tips to keep them happy, healthy, and alert while on the road – which is good for them and for you.

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Lower your Risk by Tightening up your Hiring Processing

Written By Charlotte Insurance on September 3, 2015. It has 0 comments.

If you’ve owned a business for more than a few minutes, you’ve had employees that cause problems, upset customers, and make trouble no matter where they go or what they do. They’re a real liability until you can let them go.

Your business is only as good as your worst employee. Customers might not remember when they received good service, but they’ll remember the time something went wrong. When you’ve got an employee who causes the problems through neglect, deceit, or other wrong-doing, you’ve got a risk on your hands.

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