Multi-Family Housing and Apartments Insurance Guide

Written By Charlotte Insurance on March 14, 2022. It has 0 comments.

A Guide for Insurance for Multi-Family Housing and Apartments

Own a property you want to develop for multi-family housing? Thinking of investing in rental property as a business opportunity? The market might be hot, and this may be an excellent business venture for your financial future. But if you don’t have the right kind and amount of insurance, you could lose everything in one […]

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Insurance for Dental Offices – A Comprehensive Guide

Written By Charlotte Insurance on February 23, 2022. It has 0 comments.

Insurance for Dental Offices - A Comprehensive Guide

When you became a dentist, you did it to help people have beautiful smiles and healthy mouths. As you well know, oral health is a window into the overall health of the body. What you probably didn’t think about was the business of running a dental practice. As fulfilling as the work can be, it […]

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A Definitive Guide to Contractor Insurance

Written By Charlotte Insurance on February 15, 2022. It has 0 comments.

A Definitive Guide to Contractor Insurance

As a contractor, you’ve got a lot on your plate – bids to put in, contracts to fulfill, subcontractors to hire (or fire). Now add a big storm that rips apart part of an active jobsite or an accident on the road with a company truck. Accidents like these are more than giant headaches. They […]

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Want to Lower Your Workers Comp Costs? Lower Your Experience Mod.

Written By Charlotte Insurance on September 22, 2020. It has 0 comments.

two construction workers holding a paper and discussing ways to lower their workers' compensation insurance experience mod.

One of the most important costs for any business is often considered the one most out of your control — workers’ compensation insurance. You have more control than you realize. You just have to know what impacts your overall costs. With workers’ compensation, the most important factor in your premium is your experience mod. To […]

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Creating Safer Workspaces

Written By Charlotte Insurance on September 3, 2019. It has 0 comments.

hard hats belonging to a company that follows workplace safety guidelines

While you can’t prevent all accidents or workers’ compensation claims, you can create a safer workspace for your employees and yourself. Doing so will keep your employees out of harm’s way and your costs down. Here’s how you can create a safer work area for your employees. Provide Safety Training Common sense isn’t always common, […]

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Domestic Employees and Workers’ Comp Insurance

Written By Charlotte Insurance on June 27, 2019. It has 0 comments.

cleaning supplies belonging to a domestic employee who may be entitled to workers' compensation insurance in NC

Hiring someone to help you with a new baby can be a huge help when you’re running a business or trying to deal with older kids. Some families hire a caregiver to help with their elderly parents so they can age at home — safely and with proper care. No matter what kind of help […]

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Misclassifying Employees: A Risk Not Worth Taking

Written By Charlotte Insurance on January 18, 2018. It has 0 comments.

Misclassifying your employees as independent contractors can seem pretty tempting. You’ll pay less in federal and state taxes and for your workers’ compensation insurance. In the short term it might seem like a great cost-saver and way to increase your bottom line. But in the end, it’s really a terrible idea. Here’s why you shouldn’t misclassify employees — no matter how tempted you might be.

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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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Common Types of Insurance Fraud

Written By Charlotte Insurance on April 10, 2015. It has 0 comments.

While average people are often perfectly honest and would never think to commit fraud against anyone, there are plenty of people who are not. Insurance fraud may seem harmless enough, but when schemers are paid money they’re not due, the result is higher premiums for everyone. Insurance fraud is expensive and illegal. Honest, law-abiding citizens are encouraged to report insurance fraud when you see it. Take a look at these common types of insurance fraud so you know what it looks like.

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Workers Compensation Ghost Policies

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

Inexpensive Charlotte workers compensation insurance coverage sounds like a dream, doesn’t it? For small business owners with no employees, who are typically exempt from workers compensation, it can be a lifesaver – or at the very least, a business-saver.

Ghost policies are a type of workers comp coverage that satisfies mandated requirements for single proprietors or self-employed business owners. When a job requires coverage but you are exempt from needing workers compensation, ghost policies step in to fill the gap at a lower cost. The only thing ghost policies do is fill a requirement for a company or government entity that might be hiring contractors. They don’t provide any actual coverage.

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