Lot Hail Readiness Plan: What to Do Before the First Storm Hits

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

a hail damaged car on a dealership's lot

Warmer weather brings heavy rainstorms with it, especially those that include hail. Whether those ice crystals are the size of a dime or a golf ball, they can cause damage to the vehicles on your lot. Since these make up your inventory, it’s problematic when those dents, dings, and broken windows are left behind by […]

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Wheelchair Vans & Lift Equipment: Liability Scenarios and How to Be Properly Covered

Written By Charlotte Insurance on February 24, 2026. It has 0 comments.

an NEMT van

If you run a company that offers non-emergency transport services, it’s crucial to have all of the right insurance policies in place. There are a lot of risks that come with transporting patients, many of which leave your business, including your employees and drivers, liable for problems that occur. Some of these risks include injuries […]

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Garage Liability vs. Dealer Open Lot: What Each Covers (and What It Doesn’t)

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

a car dealership covered with both garage keepers liability insurance and open lot insurance

Auto dealerships need to have certain types of insurance in place. Two of them include garage liability and dealer open lot insurance, both of which commonly are mistaken for each other. As it turns out, both do very different things, with garage liability covering any injuries or property damage that happens to others while on […]

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New Year, New Risks: 5 Insurance Updates to Make in January

Written By Charlotte Insurance on January 12, 2026. It has 0 comments.

a group of business problems discussing their New Year insurance needs

Key Takeaways Re-check limits so inflation and rebuild costs don’t leave you underinsured. Make sure business interruption coverage matches how you operate today. Update workers’ comp and EPLI based on staffing changes and expanded roles. Revisit cyber liability as threats, vendors, and response plans evolve. Audit COIs so a lapse doesn’t turn into your problem. […]

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Is Usage Based Auto Insurance Right for You?

Written By Charlotte Insurance on December 14, 2021. It has 0 comments.

a driver behind the wheel who has usage based auto insurance

Usage based insurance (UBI) is a relatively new form of auto insurance coverage that bases your premiums on your driving behavior. In many cases, drivers receive discounts that may significantly lower the cost of their insurance. Is usage based auto insurance right for you? Here’s what you need to know. What is Usage Based Insurance? […]

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Homeowners Insurance and Storm Damage: What’s Covered and What Isn’t

Written By Charlotte Insurance on August 3, 2021. It has 0 comments.

a close up of a home's roof with storm clouds in the background

You know your homeowners insurance includes coverage for storm damage, but what does that actually include? From downed trees to roof damage, a lot can go wrong when a storm hits. Make sure you know what your policy covers and what it doesn’t. What Home Insurance Covers Standard homeowners insurance policies cover damage to both […]

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Does Your Auto Insurance Cover Delivery Driving?

Written By Charlotte Insurance on July 13, 2021. It has 0 comments.

a delivery driving in their truck smiling because he knows he has the right delivery driver coverage on his auto insurance policy

You signed up for a delivery service app to make a little extra cash. It seems easy enough: drive around, make deliveries, get paid. But what happens if you get into an accident? Will your auto insurance cover you? Will the delivery service take care of the claim? Here’s what you need to know before […]

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How to Help Your New Driver

Written By Charlotte Insurance on August 27, 2020. It has 0 comments.

a car with a student driver sign on the top being drive by a young driver

The most exciting thing that happens in your teen’s life may be the scariest thing for you — learning to drive. You want them to learn, to have a bit of freedom, to run errands for you when you’re tired. But as parents it’s easy to worry about the potential dangers, too. How can you […]

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4 Reasons Why You Need Insurance for Your Camper (Even a Small Pop-up!)

Written By Charlotte Insurance on August 18, 2020. It has 0 comments.

a travel trailer that needs insurance

Think insurance for your small camper is unnecessary? Didn’t purchase coverage in order to save money? You might lose money without insurance for your camper — yes, even with a small pop-up camper! Here are four reasons why you need insurance for your camper, no matter how small or old it might be. It Might […]

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Replacement Cost vs. Actual Cash Value: Which is Right for You?

Written By Charlotte Insurance on July 28, 2020. It has 0 comments.

a home belonging to someone deciding between actual cash value and replacement value

When buying homeowners insurance, a lot of terms get thrown around, creating a bit of confusion and leading to many questions. The two most common (and likely most important) terms in your homeowners policy are replacement cost and actual cash value. What are they, and how do you know which one is right for you? […]

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