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You Can’t Afford To Not Have Health Insurance

Written By Charlotte Insurance on November 12, 2015. It has 0 comments.

You may have any one of a dozen reasons not to have health insurance. It’s too expensive. You’re young and healthy. You don’t like insurance or doctors. Pick a reason, any reason, and anyone without health insurance can tell you why they haven’t purchased a policy. The biggest reason, though, is often the cost of the premiums or the deductible.

Those reasons are all understandable, but there are some very good reasons why you can’t afford not to have health insurance. With increased fees and exposure to risk, not having health insurance can and will get very expensive, very quickly.

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How does Divorce Affect my Insurance?

Written By Charlotte Insurance on November 9, 2015. It has 0 comments.

Divorces aren’t fun for anyone. Your marriage is over, even though you thought it would last forever. Life as you know it has changed forever, and it can take a while to get your bearings and figure out what to do next. Your insurance coverage may not be the first thing on your mind once you file for divorce or even after it’s finalized. Not taking care of your insurance can bring on other, bigger headaches if something happens to you, your home, or your vehicle, though. Take a look at what you’ll need to keep in mind for every type of insurance you carry.

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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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12 Things Millennials Need to Know Before they Buy their First Home

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

Buying your first home is a big step and requires a lot of thought, patience, planning, and a need to work with professionals who understand the process. Unless you’ve got enough cash stashed away to pay for the house in full, it’s not as simple as walking up to a house you like and making an offer.

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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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