No one wants to think about it, but accidents happen. You might travel on the same dark road for years without incident, until one night with icy conditions, decreased visibility, and a deer that runs into the middle of the road.
It happens all across the country:
$18,250 – $36,500 in fines, even if there are no workplace injuries – that’s what you could expect if your business is caught without workers’ compensation insurance coverage for a year.
The North Carolina Workers’ Compensation Act requires most businesses with three or more employees to obtain workers’ compensation insurance with few exceptions. While your employees can opt out of coverage, you cannot. Not providing workers’ compensation can be a very expensive mistake.
The gecko says you can save 15 percent in 15 minutes. The lady with the name tag says her company has the best prices – but they don’t have price tags. Another insurance company will zap you out of trouble with a jingle.
They’re all fun and make great commercials.
But do you really have time to check out three, four, or more insurance companies for your auto or home insurance needs? Each time, you have to submit your information, wait for a quote, and then compare.
The Affordable Care Act, often known as “Obamacare,” is in full swing and millions of people are benefiting from the reform. Young people under 26 still have coverage thanks to their parent’s plans. Those with pre-existing conditions know they will always have coverage. Millions of previously uninsured Americans are able to afford health insurance with the help of competitive rates and subsidies from the federal government.
As an employer or business owner, you may be feeling left out and wondering where the benefit is for you. Consider a private health care exchange for your company and reap many benefits of participation.
Too often, high net worth families in Charlotte and the surrounding areas, don’t realize that their personal insurance requires a bit more scrutiny than the average person’s does. The wealthy have more opportunities for savings and frequently miss them by over insuring in the wrong areas. They also tend to put their hard-earned wealth at unnecessary risk by under insuring where it really counts. The Private Client Group at Charlotte Insurance is dedicated helping wealthy individuals fix these inequities by rebalancing their high net worth insurance portfolios. In many cases, we accomplish this with only small increases in overall cost — or with no increase at all.
You’ve finally done it – become your own boss and started a business. You’re in charge of your future. Hard work, determination, and drive, mixed with great customer service and an amazing product or service, are all you’re going to need to succeed.
Actually, no, you need something more. You need protection for yourself and your business. You need insurance for your business.
Before you think of this as yet another expense, insurance protects you and your business. Depending on the type of business you operate, your insurance needs and costs will vary.
Surety bonds come in all different shapes and sizes, depending on your business needs, but they are designed to do one thing – protect everyone involved in a contract.
Most surety bonds protect the customer who hired you to complete a job. Others, like fidelity bonds, protect both the customer and your business. Charlotte Insurance understands the different types of surety bonds and can help you make a more informed decision for how best to protect your business and your customers.
You’ve worked hard to build relationships with your clients and customers. You’ve got amazing employees who care about taking care of customers and seeing the business grow. But it only takes one bad apple to destroy everything you’ve built.
As careful as you may be when you hire new employees, there could easily come a time when you hire someone who is dishonest.
Scammers are calling unsuspecting people posing as IRS agents. They will claim you owe back taxes and will have you arrested if they are not paid. They may ask you to go to CVS and buy a Green Dot Prepaid Visa then will want you to give them the card number. If you hang up they will call back and threaten to send someone from the sheriff’s department
After a home renovation is complete, no matter how big or small, there are still risks that homeowners must consider. Once the materials are packed up, the home and grounds are back in order, and the workers have left, there are a few things left to do.
There are three final steps homeowners need to take once a home renovation is complete, to minimize risk and protect homeowners and their homes.
