Category: Our Blog

Why some Homeowners may need Workers Compensation Insurance Policies

Written By Charlotte Insurance on October 8, 2015. It has 0 comments.

For many homeowners a basic home insurance policy, flood insurance policy, and perhaps an umbrella policy are all the protection they need for their homes to protect against natural disasters, theft, and damage. But for high value clients who possess heirlooms, antiques, and other fine valuables, you understand that the basic insurance policies are not always enough.

Did you realize, though, that you may be missing a valuable insurance policy for the domestic workers you hire to work in your home?

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Should you Allow Cameras in your Nursing Home?

Written By Charlotte Insurance on September 29, 2015. It has 0 comments.

Nearly every day a worried child, spouse, or guardian calls your office to discuss their mother, husband, or other relative. Someone fell or bumped into a wall or chair, but in the confused minds of some of your residents, they believe they were pushed. Sometimes, sadly, they were.

Angry and scared loved ones demand answers. Most of the time, it was an accident or a slip. Sometimes, all you have is one employee’s word against a resident. As someone who runs a nursing home, you know your staff is excellent, hard working, and caring. What do you do if a resident or their family wants to place a security camera in their room? Is it something you should add to your facilities?

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Mold Damage – is it Covered?

Written By Charlotte Insurance on September 25, 2015. It has 0 comments.

One of the worst things that can happen to your home is mold. With the help of a few spores and enough moisture, mold can ravage a home quickly. It creates bad smells and unsightly stains. If left unchecked, it can reduce your home’s value and make you and your family sick.

Most homeowners know the importance of getting rid of unwanted moisture as soon as possible. It’s your home’s worst nightmare. The question that remains for many homeowners is a big one.

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Insurance Credit Scores – What are they and why do they matter?

Written By Charlotte Insurance on September 22, 2015. It has 0 comments.

Your credit score affects everything – from the interest rate you pay for a new car to the ability to get a credit account at your favorite department store. Typically, the better your credit score, the less money you’ll pay in interest. If your credit score tanks, you may find yourself denied or paying double-digit interest rates on everything.

Your credit score can also affect what you pay for insurance. The credit score that you’re used to – the one that can deny a mortgage or credit cards – isn’t the same one used by insurance companies, but it is a factor. Your insurance company uses insurance credit scores instead. Understanding what they are and why they matter could save you a lot of money on your homeowners or auto insurance policies.

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Does your Homeowners Insurance Cover your College Student?

Written By Charlotte Insurance on September 18, 2015. It has 0 comments.

It’s that time of year again – your college student is headed back to campus.

These days you aren’t protecting them from bullies on the playground or accidental slips and falls. You’re sending them out into a bigger world where anything can, and often does, happen. You can’t protect them from everything, but maybe you can protect them from more than you realize.

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Driversharing and Auto Insurance – What you need to know

Written By Charlotte Insurance on September 14, 2015. It has 0 comments.

The idea of driving around in your car in your free time and picking up extra cash sounds pretty good. Thanks to companies like Uber and Lyft, you may even be able to turn it into a full-time job. You choose your hours, your location, and the rides. Sounds pretty great, doesn’t it?

Driving for a company like Uber or Lyft may sound like a great (and easy) way to earn money, but what happens if you get into an accident?

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10 Tips to Hiring the Right Contractor

Written By Charlotte Insurance on September 11, 2015. It has 0 comments.

Whether you’re building a new home from the ground up or you’re planning a minor renovation, you’re going to need a contractor. We’ve all heard the horror stories of jobs half done, lack of proper permits, or worse, projects that fall down in the first strong wind. No one wants to find themselves in that position.

Finding a contractor that you can trust is a challenge. These tips will help you make the right decision and hire the right contractor for your job.

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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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Will Younger Truckers Equal Higher Insurance Costs?

Written By Charlotte Insurance on August 27, 2015. It has 0 comments.

In 48 states across the country, someone who is 18 years old can receive their commercial drivers license (CDL), assuming that they can past the required tests. Garbage trucks, 18-wheelers, delivery trucks, you name it, they could all potentially have an 18 year old behind the wheel.

What a driver that young cannot do is cross state lines. Drivers must be at least 21 to be an interstate trucker. That is, unless a recently added provision in the six-year highway bill currently being proposed passes into law.

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Does your Hotel Need Cyber Liability Insurance?

Written By Charlotte Insurance on August 13, 2015. It has 0 comments.

No company that does business online is safe from hacking. Hotels are no exception. It doesn’t matter how sophisticated the hotel or who owns it, if you’re taking in someone’s personal information, it can be stolen. Not even Donald Trump and his hotels are immune.

The recent breach of the Trump properties didn’t appear in the news until early July, but investigators believe the theft goes all the way back to February. The credit card breach was only found after tracking a pattern of fraudulent charges back to the only common denominator – the hotels the victims stayed in.

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