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What Manufacturers Should Know About Finished Stock Insurance

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

a warehouse full of products that need finished stock insurance

Manufacturing companies have a lot to worry about. Not only do they need to keep their assembly lines moving and all of their equipment in good, running condition, but they have to ensure that their employees are getting things done safely. These worries don’t stop once the items are made and packaged. Those finished goods […]

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Delivery Drivers & Liability: Are You Covered?

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

a person receiving their prescription delivery from their phramacy

When it comes to delivering prescriptions, you need to ensure that your pharmacy has the right insurance coverage, just in case. You may think that your company’s commercial auto insurance contains all of the protections that you need, but there are additional things to consider based on what could go wrong. In order to avoid […]

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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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