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NC Used Car Dealers – Don’t Forget About Workers Compensation Insurance |
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By Wake Clinard on
6/29/2009 4:12 PM
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At Clinard Insurance Group, in Winston Salem, NC, we specialize in helping used car dealers with their dealers insurance policies. And 95% of the time, when a dealer calls us for insurance, the only policy on his mind is the NC garage insurance policy. But there is another, very important policy that all dealers must consider. And leaving this one out can do a lot more than just ruin your day. It could wipe out your business.
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Contractors – 5 Tips For Getting The Best Audit Outcome On Your General Liability And Workers Compensation Insurance Policies |
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By Wake Clinard on
6/23/2009 8:48 AM
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All building contractors working in North Carolina who carry either a NC general liability insurance policy or a NC workers compensation insurance policy, or both, probably know that these insurance policies are subject to an annual audit. What few contractors understand is that they have the power to stack the deck in their favor when it comes to that audit. And since some of the audit process is subjective, this can mean money in your pocket if you are a building contractor. Here are 5 tips that will put you on the road to more successful insurance audits.
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NC Homeowners Insurance Policy – What’s This Sewer Backup Coverage? |
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By Wake Clinard on
6/22/2009 9:18 AM
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If you own a home in North Carolina, then you probably have a NC homeowners insurance policy. If so, you need to understand the sewer backup coverage option and whether you need this protection or not. At Clinard Insurance Group in Winston Salem, NC, we insure thousands of homes and we are often asked about this very misunderstood add on coverage to the home insurance policy. In helping new clients with their policies we have found many homeowners who need this protection, haven’t added to their policy and some who don’t need it, are wasting their money purchasing it. So, what is the skinny on this coverage?
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Used Car Dealers – There May Be Hidden Funds In Your Garage Policy |
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By Wake Clinard on
6/17/2009 9:39 AM
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This economy has required all types of businesses to tighten their belts and make more with less. Used car dealers in NC, SC, TN and GA are no exception to this problem. But very few of them have thought to look at their garage insurance policy as a source of funds. Here’s how you might take money out of your garage insurance policy.
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The NC Irrigation Contractors License Bond – What’s Really Covered Here? |
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By Wake Clinard on
6/10/2009 8:20 AM
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In an effort to clean up the irrigation contractors business in North Carolina and protect our water resources, there is a new requirement effective June 29, 2009 that all irrigation contractors have a license with the state of NC. In order to get this license, each contractor must post a bond. But what does this bond really cover?
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NC Irrigation License Bond – Who Needs This Bond and Why? |
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By Wake Clinard on
6/9/2009 8:11 AM
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After June 29th, in NC it will no longer be legal to perform installations or repairs on irrigation systems unless you are a licensed irrigation contractor. There are a few exceptions to this rule but not many. And to receive your license, you will need to provide the state of North Carolina with a $10,000 Surety Bond. Who needs this bond and why does the state of NC require it?
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NC Irrigation Contractors – Are You Grandfathered In? |
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By Wake Clinard on
6/8/2009 9:27 AM
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If you are installing irrigation systems in North Carolina and you want to continue to do it after June 29, 2009, then you will need to get your NC Irrigation Contractors License. One of the requirements for this license is that you pass a test which will test your knowledge of installation and repair best practices for irrigation systems.. But for some contractors there is a way around the test. This falls under the grandfather clause.
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Contractors – Prepare For The Impact Of Your Uninsured Subcontractors |
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By Wake Clinard on
6/3/2009 1:46 PM
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Uninsured subcontractors are often just a necessary evil in some types of construction jobs. But if you are the contractor who is hiring extra help, and this help is uninsured, you should know what you need to do on the front end to be sure that this cheap labor option doesn’t turn out to be the most expensive help you’ve ever hired. Understanding exactly how uninsured subs will affect your general liability insurance policy and your workers compensation insurance policy is key to reducing your risks and your costs. At Clinard Insurance Group in Winston Salem NC, we specialize in helping all kinds of contractors with their construction insurance policies. And we want to make sure that all of our insurance clients avoid the nasty surprises that often come along with hiring uninsured subcontractors.
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The North Carolina Personal Auto Policy – There’s A Hidden Gem In There. |
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By Wake Clinard on
6/2/2009 9:49 AM
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If you have a car that is tagged in the state of North Carolina, then you almost certainly have a NC auto insurance policy to cover that car. While car insurance seems like a necessary evil, there is a hidden gem of a coverage in there that might be something that could come in handy for you. At Clinard Insurance Group in Winston Salem, NC, we want all insurance consumers to be informed consumers so take a moment to read this short article to discover and inexpensive coverage that might be a big help to you someday.
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Homeowners Insurance – don’t let that escrow account bite you |
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By Wake Clinard on
6/1/2009 8:28 AM
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As a convenience (and a way to earn more money for bankers) the insurance escrow system was set up many years ago. This technique of having your home insurance policy premiums paid by your mortgage servicing company looks like a great deal for the consumer but in fact there are several traps in this procedure that the smart consumer must avoid. At Clinard Insurance Group, in Winston Salem, NC, we want all insurance buyers to be informed consumers so if you have an escrow account associated with your home mortgage, read this short article to make sure you stay out of these traps.
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