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Author: Wake Clinard Created: 12/4/2008 3:39 PM This blog is to provide helpful information about insurance policies and industry trends to our clients and the greater internet community. The General Liability and Workers Compensation Insurance Policy Audit Trap – A Cash Flow Disaster. By Wake Clinard on 3/30/2009 8:20 AM If you are business owner or the manager of a business, then you probably have some working knowledge about general liability insurance and workers compensation insurance. At Clinard Insurance Group in Winston Salem, NC, we specialize in insuring contractors and other small businesses who need these types of policies. And we have found time and again how many small businesses are seduced into the cash flow nightmare I call “the audit trap”. Comments (1) More... XCU – Don’t let this stealth exclusion ruin your General Liability Policy By Wake Clinard on 3/23/2009 9:47 AM What few people outside of the insurance industry know is that on your policy you will find what is covered by looking at the exclusions, not the coverage section. And unfortunately there is an optional exclusion on the general liability policy that can sneak up on people, particularly contractors. At Clinard Insurance Group in Winston Salem, North Carolina, we specialize in helping all kinds of contractors, from small artisan contractors to larger, heavy equipment contractors so we make it a point to keep an eye on this exclusion for our clients. Comments (0) More... Looming NC Homeowners Insurance Crisis – Part II How To Protect Yourself By Wake Clinard on 3/17/2009 8:02 AM The NC Beach Plan will likely become insolvent when the next major storm hits the NC coast. In my part I article on this topic I explained just how and why this crisis has developed. This part II article tells you what you can and must do now to protect yourself from being swept up in this disaster. Comments (1) More... NC Homeowners Crisis Is Brewing – Part I By Wake Clinard on 3/16/2009 8:57 AM In North Carolina there is a major homeowner insurance availability crisis brewing and recent actions tell us that this crisis is about to reach a tipping point. By this time next year many people may have trouble finding insurance for their home… at any price. Comments (0) More... Shopping For Insurance Online -- Shopper Beware By Wake Clinard on 3/2/2009 9:44 AM During these recessionary times a lot of people have felt compelled to try a “do it yourself” approach by shopping for insurance quotes on line. At Clinard Insurance we strongly support the idea of doing research and we want every one of our clients to be well educated consumers when it comes to their insurance protection. But there are several risks associated with online insurance shopping and I want to make you aware of them so that you don’t stub your toe if you choose this approach. Comments (0) More... Contractors: 4 Key Tips To Consider When Buying General Liability Insurance By Wake Clinard on 2/20/2009 9:22 AM General liability insurance is one of the first types of policies you will need if you are starting a new business. At Clinard Insurance we are seeing many new small business startups. Starting your own company is popular these days with the layoffs we are seeing in our economy. The best choice is often to pursue something that you love doing and so we are seeing lots of people starting new businesses around their building skills. But just because you love to build things doesn’t mean you know the best way to protect yourself and your company from lawsuits. Here are some tips for pitfalls that you should avoid when buying general liability insurance. Comments (0) More... The Good Luck Wallet By Wake Clinard on 2/14/2009 6:12 PM Today is Valentine’s Day and my valentine and I had a great time together today creating random acts of kindness. You see, today was the kick off date for our Good Luck Wallet program and so today we spent the morning hiding the first 10 wallets around town. What a blast! Comments (1) More... Great News! Deaths from Motor Vehicles Accidents Was Down for 2008 By Wake Clinard on 2/13/2009 10:17 AM Two studies show that in 2008 the rate of deaths in automobile accidents dropped by as much as 10% across the U.S. That’s about 3000 lives that were not lost in 2008 to traffic accidents. 3000 lives! Wow. Comments (0) More... Inexperience Can Lead to Tragedy By Wake Clinard on 2/6/2009 11:22 AM Recently, I had the privilege to host an interview with a man who has a very riveting story to share. Although his story was one that we all hope to never experience, he has turned a tragic event into a mission to help others prevent the same happening to them. Comments (0) More... After School Hours Are Dangerous For Teen Drivers By Wake Clinard on 1/9/2009 10:30 PM If you are like me, you have always been concerned about your teen driver children when they head out on the road at night. And you are right to be worried about them driving at night. That is a very dangerous time. But a recent study shows that the time right after school is also are very high risk time for teen drivers. Comments (0) More...