Savvy landscaping contractors buy workers compensation insurance as part of their landscapers insurance program.  If you don’t and you are paying someone to work for you, whether you consider them a subcontractor or not, then you shouldn’t go a day more without a policy.  But assuming you already have a workers compensation policy, how exactly do you file a claim?

Most parents out there who have a teen driver are well aware of the additional costs on their auto insurance while their child slowly gains experience behind the wheel.  In NC these extra charges go on for the first 3 years of driving and then suddenly are dropped completely from your policy.  To understand exactly how North Carolina allows the insurance companies to add these inexperienced operator surcharges, click here.   Most parents of course think that they are free and clear of these charges once their child reaches the 3 years of driving experience.  And for the vast majority of them, this is true.  But some companies have a hidden bias against the 19 year old driver and they find other ways to collect extra premium for them.  Knowing the tell tale signs of these techniques can help you avoid these extra charges.

Most of my blog postings here are designed to help you navigate the ins and outs of your restaurant insurance program.  And inherent in that plan is the concept of managing risks.  But there is one risk out there that insurance cannot manage for you and you need to take proactive steps to protect yourself right away.  If done right, this form of risk management can turn a big risk into a huge reward.

The Summer months are a high risk time for teen drivers.  Parents must be more vigilant during this time to insure the safety of their teen aged drivers.  There are several reasons why the Summer months present special challenges for parents of teen drivers.

The NC Insurance Department has finally come to an agreement with the Insurance Companies selling auto insurance in NC  to settle their differences on the 2008 rate changes that applied to auto insurance and motorcycle insurance policies.  There are a few things you should know about who will get a refund and when those checks will be mailed.

The NC House is now considering a tort reform bill that could dramatically increase the amount you spend on your auto insurance policy as well as on your home insurance policy and business insurance policies.  The reason this bill is so bad for your insurance rates is that it aims to change our current law of contributory negligence to one of comparative fault. 

The automobile body repair business is changing quickly.  This industry has seen rather slow and evolved changes over the past 30 years or so but recently the pace of change has accelerated.  These changes are shrinking your marketplace of clients as well as constricting how you perform your work.  Staying ahead of these changes should give you a strong edge over your competition and help to insure that you remain in business for years to come.

If you own a plumbing company then more than likely you travel to and from jobs in a company owned vehicle.  Putting your truck in the company name is most often done for tax reasons.  But have you evaluated the insurance reasons for doing so?  If so, did you remember to insure the vehicles that you don’t own?  Failing to do so could cost you your business.  But the good news is that the solution is cheap and easy.

If you are thinking of starting your own lawn care business, or if you are planning to grow your existing one into a more viable and legitimate business, one of the hurdles you will need to cross is the insurance puzzle and how to solve it for your particular company.  Lawn care companies have some special insurance needs so here is a basic primer on the types of insurance policies that you should consider for your lawn service insurance program.

It’s Spring here in beautiful North Carolina and with the flowers comes the sudden and violent thunderstorms that produce hail.  This hail has the potential to damage your roof.  The hail also creates an opportunity for unscrupulous companies to try and take advantage of you.  This blog will put you on notice to their tricks and tell you how to avoid their scam.