Category: Our Blog

How Much Does Commercial Insurance Cost?

Written By Charlotte Insurance on January 21, 2015. It has 0 comments.

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.

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Fidelity Bonds vs Surety Bonds – What’s the Difference?

Written By Charlotte Insurance on January 5, 2015. It has 0 comments.

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.

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Understanding Fidelity Bonds

Written By Charlotte Insurance on January 2, 2015. It has 0 comments.

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.

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Better Business Bureau is Telling Everyone to Watch for IRS Telephone Scams

Written By Charlotte Insurance on December 15, 2014. It has 0 comments.

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

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These Three Steps Protect Homeowners After a Home Renovation

Written By Charlotte Insurance on December 8, 2014. It has 0 comments.

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.

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3 Safety Risks During High-End Home Renovations

Written By Charlotte Insurance on December 4, 2014. It has 0 comments.

Once the contractor has been selected, the insurance coverage determined, and the job begins, the risks in a home renovation are far from over. During construction, the risks of harm and injury to people and theft or destruction of property must be addressed. The contractor and homeowner must consider several safety considerations and their own responsibilities while the job is being completed.

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3 Biggest Risks in Home Renovation – Before Construction Begins

Written By Charlotte Insurance on December 1, 2014. It has 0 comments.

There are plenty of risks associated with a home renovation, especially construction on custom homes or projects that are detailed and complex. Understanding the risks and how to mitigate them prior to the start of construction will save time and money for homeowners.

The three biggest risks pre-construction for a home renovation are selecting a contractor, formalizing the contract, and making sure all parties are properly covered by insurance.

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Landscaper Surety Bonds

Written By Charlotte Insurance on November 20, 2014. It has 0 comments.

With the passage of the new laws governing licensed landscapers in North Carolina, there’s a lot to take in and understand so that you’re in compliance. As of August 1, landscapers are no longer simply registered within the state but are now licensed and must show proof of purchase for surety bonds. What does this mean for you as a professional landscaper?

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5 Signs you’ve been in a Stage Car Crash

Written By Charlotte Insurance on January 17, 2014. It has 0 comments.

Accidents happen, but some car crashes are by design.

Orchestrated by sophisticated criminal networks, staged “accidents” bilk car insurance companies out of billions of dollars, with consumers paying the ultimate price in higher premiums.

They work like this: You’re driving along innocently when a car comes out of nowhere, and wham! Before you know what hit you, passengers pile out of other cars complaining of injuries. Strangers urge you to visit a certain clinic or lawyer. Witnesses conveniently appear. And finally the other driver and passengers file large damage and/or injury insurance claims against you for thousands of dollars.

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Homeowners Insurance and Trampolines

Written By Charlotte Insurance on November 19, 2013. It has 0 comments.

Homeowners insurance and trampolines do not play well together. “Why?” you may ask. Because they’re causing more claims, and big dollar ones to boot. Remember, insurance is ALL about risk. The more risky, either the more premium you’ll pay or in the above example, the insurance company will choose to avoid the risk altogether.

SO WHY ARE HOMEOWNERS INSURANCE COMPANIES SO CONCERNED ABOUT TRAMPOLINES?

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