Your property is protected by your homeowners insurance while you occupy it, but what about while you’re building it or adding onto it? If you think your general contractor’s insurance will cover you, think again. A general contractor is usually only required to carry liability insurance for losses due to their own negligence. Your homeowners insurance typically doesn’t cover pre-construction and buildings under construction.

So how are you supposed to protect your property while it’s in the process of being built or remodeled? To do that, during the construction phase, you need builder’s risk insurance.

Are you a driver who keeps your cell phone safely out of arms reach, sticks to the speed limit, and never has an accident? Yet even with no tickets or accidents, you may have seen your premiums go up each year. It doesn’t seem logical that you’re paying more even though you’re being safe out on the road. But now, we have a reward for that!

You might think that workers’ compensation insurance is a 20th century invention, but you’d be wrong. While workers’ comp as we know it in the United States only dates back to the early 1900s, the idea of compensating injured workers is an old practice.

Being a renter doesn’t mean you have to live with beige everything or never decorate for fear of losing your security deposit. All it means is that you need to be a bit more creative in how you spruce things up. Just because you don’t own it, doesn’t mean you can’t love it or have fun!

We only have one planet, and it’s a beautiful one. Whether you love Crowders Mountain or Mountain Island Lake or you’re happy with the park in your neighborhood, it’s easy to see the beauty of Planet Earth. With Earth Day (April 22) and Arbor Day (April 27) fast approaching, you might wonder what you can do or how you can help.

Before you tell yourself the problems of taking care of the planet are too big or that you’re just one person, remember that even small things can make a big difference. What can you do this year? Maybe it’s time to plant a tree in your backyard.

As a business owner, you have a lot to worry about – from payroll to inventory, from customer complaints to managing income and expenses. One thing you don’t need to worry about is how you’ll handle a disaster. You can’t prevent disasters, but you can prepare for them.

When you put together a workplace disaster plan, you’ve taken one more step in protecting your business and your employees. Here’s how to put together and implement a workplace disaster plan.

With the weather warming up, cold snaps notwithstanding, bicycles and motorcycles are being pulled out of garages and hitting the roads. We all have to share the road with each other, so it’s important to look out for anyone on two wheels.

Anywhere it rains, it can flood. You don’t have to live right on the coast or near on a lake to be in danger of flooding. We can’t always prevent flooding from impacting our home. That doesn’t mean we shouldn’t try to prevent as much damage as possible.