No one goes into business or makes a large financial investment in order to lose money. Whether it’s long-term financial security or simply an entrepreneurial spirit, you bought a multi-family apartment building for a reason. Make sure you protect your investment with the right insurance coverage.
SPEND A LITTLE MORE TO SAVE IN THE LONG-RUN
You’ve made the decision to go for it. You’re finally going to build your North Carolina home, new business, or commercial building! You know exactly what type of wood floors you want, the color of the marble for your bathroom, the exact brick you’ll use on the outside. The plans are finished, and you’re ready to go.
You’ve read through the contract between you and the builder multiple times. Your contractor has all of the necessary insurance policies in place, but do you have the insurance that you need? If you don’t have a Builder’s Risk insurance policy, the answer is “no.”
When one first moves in to their new home, the one thing in common is they must purchase a homeowners insurance policy. Most people do not understand the importance of periodically reviewing their policy and evaluating their needs. Often, the cost to rebuild increases, but some policies may not allow for an increase. What if there’s been a renovation or upgrade? How would one know whether this is covered without a review? Having a major loss is not the time to find out.
Auto-Owners Insurance is pleased to announce that Charlotte Insurance, of Charlotte, North Carolina, has been named the #1 agency of the Top 10 growth agencies for the Company in the state of North Carolina for 2014. The agency was recognized at a luncheon meeting in Charlotte and at a reception with all regional associates, where they and other recipients were presented with a plaque commemorating their accomplishment. Charlotte Insurance has represented Auto-Owners since 2014.
June 1 was the start of hurricane season. You’ve probably purchased your batteries and flashlights. You may even have a hurricane kit already set up and waiting. The moment a storm is named and headed your way, you know to fill up on gas, stock up on shelf stable foods, and hunker down to wait it out. You’re as prepared as you can be.
Or are you?
No one thinks it will happen to them. A devastating illness, a horrible accident, whatever it may be, your life can change in an instant. One moment you’re an active person, and the next you’re sick or injured with little to no independence and in need of constant care.
Long term care insurance, unlike health insurance, isn’t meant to help cover the costs of a cure. Instead, it’s used to help cover the often astronomical costs of the care you’ll need during your illness or injury, whether it’s part of recovery or learning to live with a new normal in life.
You may not think of your church or house of worship as a business entity. Why would you? You help worshipers get in touch with their spirituality. You counsel the downtrodden and visit the sick. Your church nursery is filled with precious children who may grow up to join the church as adults. You work with people. Why would you need a special type of insurance?
The fact of the matter is that churches often function as much more than places of worship. Your church may also be a day care, preschool, meeting location, counseling center, and more. Even though your intent is to take care of your community, you still have the same worries and concerns as any other business: damage, theft, destruction, and, unfortunately, potential lawsuits.
You’ve worked hard to build the life you’ve always wanted. A large home on a private estate, the collection of antique cars in a luxury garage, a private yacht – it’s all yours. You take pride in everything you’ve accomplished. Looking around, it’s satisfying to see the luxurious life you’ve built for you and your family.
But it can be threatened in an instant.
The open road, independence on the job, and a second home on 18 wheels – the life of a trucking owner operator isn’t always easy, but for many, it’s worth it. You are your own business, and if something happens to you or your truck, you’re out of work and out of money. Protect yourself, your family, and your business by making sure that you have the right kind of insurance for your truck, your trailer, and you.
TYPES OF INSURANCE COVERAGE FOR OWNER OPERATORS
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.
