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Garage Liability Insurance and Garage Keepers Insurance – What’s The Difference? |
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By Wake Clinard on
5/26/2009 10:18 AM
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The garage insurance form is a specialty form used only for the automotive industry, specifically motor vehicle repair and motor vehicle sales. Because of this, many insurance agents don’t fully understand this policy form. And if the insurance agents are often confused, you can imagine what the business owners in the motor vehicle industry might feel. Here’s a short explanation to help you understand this policy a little bit better.
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Contractors: Your General Liability Policy Might Be A Source of Funds For You |
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By Wake Clinard on
5/21/2009 10:33 AM
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Recently, times have been hard for many different types of building contractors. With jobs more scarce, many have had to lay off workers or they simply haven’t been able to keep people on full time. At Clinard Insurance Group, in Winston Salem, NC, we have seen our contractor clients’ payrolls shrink dramatically and while that indicates hard times, it also presents an opportunity for these businesses. If you are a contractor in the building industry with shrinking payrolls, then your general liability and workers compensation insurance policies could now be a source of ready cash for you.
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Homeowners – Before That Contractor Starts Work, Get The Insurance Certificate |
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By Wake Clinard on
5/20/2009 8:11 AM
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At Clinard Insurance Group in Winston Salem, NC, we make it a top priority to help our friends and clients with information that helps them protect their assets. One mistake many homeowners make is to let a contractor begin work at their home without first checking to be sure that this contractor has the right insurance protection for his or her business. There is a quick and easy way to do this and this practice is standard in most business to business (B2B) type transactions.
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Contractors – Don’t Forget Those General Liability Insurance Certificates |
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By Wake Clinard on
5/18/2009 8:19 AM
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I work with contractors every day, helping them with their general liability and workers compensation insurance policies and I am struck by how many of them have heard of insurance certificates but how few really understand why they need them. If you have anyone working on your job site without first having given you a certificate of insurance, you are probably increasing both your insurance costs and your liability exposure. Here is a quick guide on what you need and why you need it when it comes to certificates of insurance.
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Garage Insurance – Used Car Dealers and Repair Shops Watch Those Symbols |
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By Wake Clinard on
5/14/2009 3:08 PM
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Garage insurance is a much misunderstood policy form. Very few insurance agents understand exactly when to use it and more importantly exactly how. You can use a garage liability policy to protect a used car dealer, often referred to as dealer’s insurance, or you can use this same form to protect an automotive repair shop or to set up body shop insurance. The trick is to know the symbols. At Clinard Insurance Group in Winston Salem, NC, we specialize in garage insurance and we understand the difference in how to set up used car dealers insurance and auto repair shop garage insurance.
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Car Insurance – Are you both under insured and over insured? |
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By Wake Clinard on
5/11/2009 8:06 AM
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At Clinard Insurance Group in Winston Salem, NC, we handle NC car insurance for thousands of clients and in that time we have had clients come to us with policies written by other agents that just don’t make sense. Yes, it is possible and in fact common for people to be both under insured and over insured with their auto insurance policy.
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What Would You Do With An Extra $343 In Your Pocket? |
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By Wake Clinard on
5/4/2009 8:31 AM
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Our research indicates that on average we save our new clients $343 on each policy that that bring to us when they switch from their current insurance company. We specialize in helping people with their home insurance and their car insurance of course, but we also help small contractors and small businesses with their general liability and workers compensation insurance as well as helping automotive repair shops and used car dealers with their garage insurance. So we got to thinking. What will all of these clients of our do with the $343 that they each saved?
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Used Car Dealers Insurance – Watch Those Limits |
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By Wake Clinard on
5/3/2009 9:49 AM
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At Clinard Insurance Group we specialize in helping Used Car Dealers with their Garage Liability and Dealer Open Lot Insurance Coverages. We insure over 300 dealers in NC, SC, GA, TN and VA. With that kind of exposure to this industry, we see the policies that a lot of dealers have before they come to us and we see some real messes. One of the scariest mistakes dealers make when buying garage liability insurance is how they set up their liability limits
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Hey, does the air bag in this thing work? |
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By Wake Clinard on
4/27/2009 11:26 PM
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If you’ve ever shopped for a used car you are probably a pretty savvy buyer after the experience was over. But did you check the air bag? It turns out that airbags are a quick and easy part for thieves to remove from the car. And since few buyers think to check for this part, most get away scott free.
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The Dealers Open Lot Deductible Trap |
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By Wake Clinard on
4/27/2009 2:51 PM
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Clinard Insurance Group, in Winston Salem, NC, specializes in handling the insurance needs of used car dealers in North Carolina, South Carolina, Georgia, Virginia and Tennessee. With so many clients in this industry, I thought I should speak out about a little known provision in the dealers open lot coverage that creates a nasty surprise for many dealers after a claim has occurred. I call it the comp deductible trap.
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