The idea of driving around in your car in your free time and picking up extra cash sounds pretty good. Thanks to companies like Uber and Lyft, you may even be able to turn it into a full-time job. You choose your hours, your location, and the rides. Sounds pretty great, doesn’t it?
Driving for a company like Uber or Lyft may sound like a great (and easy) way to earn money, but what happens if you get into an accident?
Whether you’re building a new home from the ground up or you’re planning a minor renovation, you’re going to need a contractor. We’ve all heard the horror stories of jobs half done, lack of proper permits, or worse, projects that fall down in the first strong wind. No one wants to find themselves in that position.
Finding a contractor that you can trust is a challenge. These tips will help you make the right decision and hire the right contractor for your job.
If you’ve owned a business for more than a few minutes, you’ve had employees that cause problems, upset customers, and make trouble no matter where they go or what they do. They’re a real liability until you can let them go.
Your business is only as good as your worst employee. Customers might not remember when they received good service, but they’ll remember the time something went wrong. When you’ve got an employee who causes the problems through neglect, deceit, or other wrong-doing, you’ve got a risk on your hands.
In 48 states across the country, someone who is 18 years old can receive their commercial drivers license (CDL), assuming that they can past the required tests. Garbage trucks, 18-wheelers, delivery trucks, you name it, they could all potentially have an 18 year old behind the wheel.
What a driver that young cannot do is cross state lines. Drivers must be at least 21 to be an interstate trucker. That is, unless a recently added provision in the six-year highway bill currently being proposed passes into law.
No company that does business online is safe from hacking. Hotels are no exception. It doesn’t matter how sophisticated the hotel or who owns it, if you’re taking in someone’s personal information, it can be stolen. Not even Donald Trump and his hotels are immune.
The recent breach of the Trump properties didn’t appear in the news until early July, but investigators believe the theft goes all the way back to February. The credit card breach was only found after tracking a pattern of fraudulent charges back to the only common denominator – the hotels the victims stayed in.
Purchasing insurance for your North Carolina home may be a requirement for anyone with a mortgage, but it’s also a smart move. Your insurance policy protects your house and yourself from accidents, damage, and other unforeseen events that are too costly for you to repair or replace yourself.
The fact is that the standard homeowner’s insurance policy does not cover every possible situation that could occur. It’s best to understand what your policy won’t cover and what you can purchase additional coverage for, in order to reduce your risk.
Take a look at these 10 things that your homeowner’s insurance policy does not cover.
Operating any business comes with a certain amount of risk and reward. Working with people of any age, especially those who need medical services, increases both the risks and the rewards.
The biggest reward is knowing that you’ve helped someone. The biggest risk is often from injury-causing accidents.
You didn’t go into the business of helping the elderly to cause any harm. The opposite is true. Whether it’s a nursing home, an assisted living facility, or even a retirement community, you opened your doors to help our aging population.
You spent countless hours preparing a bid, answering the client’s questions, and understanding their specifications. Beating out dozens of other major construction companies, you were awarded the job. It’s the biggest you’ve ever won. Now you’re hiring new people, finding new subcontractors, and looking forward to adding this project to your list of satisfied clients.
Then disaster strikes. A fire takes out most of the job site. The job is on hold indefinitely as the cause of the fire is investigated. Your clients have determined they don’t have the money to start over.
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.”
