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Insurance 101 for HOA Boards: What’s Your Responsibility?

Written By Charlotte Insurance on June 16, 2025. It has 0 comments.

an example of an HOA that needs insurance, using model home figures

HOAs, also known as homeowner’s associations, have important roles to play in their community. Not only do these groups oversee the homes or condos in their association, ensuring that everyone follows the rules and adheres to the guidelines, but they’re also in charge of running the entire association and any private, yet community accessible parts […]

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Do You Need an Umbrella Policy for Your Business?

Written By Charlotte Insurance on June 6, 2025. It has 0 comments.

a stack of insurance policies

How much insurance protection does your business have? It more than likely has a standard BOP, or Business Owner’s Policy, which contains policies like commercial property insurance and liability. You probably have specialty insurance policies as well, like commercial auto, workers’ compensation, manufacturing or product liability insurance and more, based on what type of company […]

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The Growing Role of Pharmacies in Healthcare — And How Insurance Needs Are Changing

Written By Charlotte Insurance on May 29, 2025. It has 0 comments.

The Growing Role of Pharmacies in Healthcare — And How Insurance Needs Are Changing

Back in the early 2000s, Elizabeth Holmes famously started Theranos, a company that made blood testing devices that wound up in pharmacies. Although we all know how that ended, she did start a trend of putting a healthcare clinic in a pharmacy building. These clinics are often staffed with nurse practitioners, who can prescribe things […]

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How to Evaluate Liability Risks in Large Apartment Communities

Written By Charlotte Insurance on May 22, 2025. It has 0 comments.

How to Evaluate Liability Risks in Large Apartment Communities

Apartment complexes come with their own sets of issues. Yes, they are a good addition to your real estate portfolio, but they also require a lot of work, diligence, and care. You need to manage the teams that find renters and process information, those that clean and maintain the premises, and more. And on top […]

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Insurance Checklist for New HOA Board Members

Written By Charlotte Insurance on May 10, 2025. It has 0 comments.

Insurance Checklist for New HOA Board Members

Joining an HOA, also known as a homeowner’s association, is exciting. You get to participate in creating bylaws and ensuring that the residents follow them. You’re also in charge of events for the development and numerous other activities. Since you now partially represent the people who live in your condo, housing development, or timeshare complex, […]

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How Commercial Auto Insurance Differs for NEMT Vehicles

Written By Charlotte Insurance on May 3, 2025. It has 0 comments.

a wheelchair being loaded into a NEMT vehicle.

There are several types of auto insurance out there. On top of special policies for dealers and traditional commercial auto insurance plans, there are also some for NEMT vehicles. These vehicles, all of which operate as non-emergency transports that take patients to and from doctors’ appointments and hospital procedures, fall into a category of their […]

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When and Why Construction Companies Need Professional Liability Insurance

Written By Charlotte Insurance on April 30, 2025. It has 0 comments.

When and Why Construction Companies Need Professional Liability Insurance

In a perfect world, every construction job goes according to plan. You, the contractor, land a residential remodeling job. All of the supplies, including the drywall, plumbing, and other things, arrive on time and in ideal condition. Your employees get the job done professionally and efficiently without any equipment breaking down. Everyone is happy, from […]

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Why Your HOA Should Require Homeowners to Carry Loss Assessment Coverage (And How to Do It)

Written By Charlotte Insurance on April 23, 2025. It has 0 comments.

Why Your HOA Should Require Homeowners to Carry Loss Assessment Coverage (And How to Do It)

As a board member of a homeowners association (HOA), one of your primary responsibilities is to look out for the long-term financial stability of the community—and that includes protecting both shared property and individual homeowners from unexpected costs. While most HOAs carry a master insurance policy that covers common areas like roofs, lobbies, stairwells, and […]

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Protecting Your Profits: Why Finished Stock Insurance Is Essential for Manufacturers

Written By Charlotte Insurance on April 22, 2025. It has 0 comments.

Protecting Your Profits Why Finished Stock Insurance Is Essential for Manufacturers

Manufacturing companies have a heavy weight on their proverbial shoulders: not only do they have to keep their proprietary processes intact, source materials to use in their products, and make sure that their products make it to their customers, but they also have to worry about issues with their finished stock. There’s a lot that […]

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How Cyber Liability Insurance Can Protect Your Pharmacy from Data Breaches

Written By Charlotte Insurance on April 16, 2025. It has 0 comments.

How Cyber Liability Insurance Can Protect Your Pharmacy from Data Breaches

The computer systems used at pharmacies contain a lot of pertinent information. Not only do these programs note the pharmaceuticals and other prescription items that are in stock, but they also hold quite a bit of information on the customers who frequent the pharmacy. With so much crucial information available, it’s no wonder that cyber […]

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