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Used Car Dealers – Who You Buy Your Garage Liability Insurance From Could Matter A Great Deal |
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By Wake Clinard on
7/29/2009 9:57 AM
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Used car dealers in North Carolina certainly have many options regarding which insurance company they choose for their garage liability insurance. But very few of these dealers, no matter how insurance savvy, understand the impact of using a company with their own special garage form. This form can save the dealer thousands of dollars in premiums and claim costs as well as dozens of hours in the claims process. But you have to have the right form to benefit.
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NC Contractors Insurance – 4 Important Reasons Why You Must Be Sure To Get A Commercial Auto Insurance Policy |
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By Wake Clinard on
7/27/2009 8:42 AM
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Many small contractors start their businesses from their home and run them out of their back pocket. As they gain success and confidence, most will begin to search out a separate office location and separate their business affairs from their personal affairs. But one thing that gets left behind in this process is the move to a true commercial auto insurance policy. Here are some of the reasons for switching over to a North Carolina commercial auto insurance policy instead of trying to use a personal auto insurance policy to cover the vehicles used in the business.
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All North Carolina homeowners now face a personal burden for beach house hurricane losses. |
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By Wake Clinard on
7/21/2009 9:23 AM
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The North Carolina State Legislature is crafting legislation, House Bill 1305, that will push the burden of catastrophic hurricane losses of beach property on to the backs of all unsuspecting property owners statewide. While there are some positive changes in this legislation, it feels like to me that they are sticking it to the people who are not there watching this legislation be made, and that is all the people who own property in North Carolina that is not coastal property.
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North Carolina Homeowners: Watch Out For The Consent To Rate Letter |
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By Wake Clinard on
7/20/2009 7:28 AM
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Several large insurance companies are now actively sending out consent to rate letters to their customers with homeowner insurance policies. This letter is bad news for anyone who gets one although the language in the letter might seem to make it sound fairly benign. But that’s like putting a tablespoon of sugar on rotten meat. Here’s some help for you in understanding why you might be receiving this letter and what it means for you.
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Car Insurance Marketing Cheap Tricks – This One Could Ruin You |
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By Wake Clinard on
7/9/2009 7:37 AM
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In the world of cheap trick marketing gimmicks, this one could put the auto insurance consumer in a world of hurt. I recently saw an ad on TV by an insurance company advising the customer to go online and build their own policy. And the hook line was, you choose how much you want to pay each month and we will build your policy to that price. This sounds like the consumer is choosing their own price but the opposite is true.
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Automobile Replacement Cost Insurance, a NC Auto Insurance Policy Extra You Should Consider |
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By Wake Clinard on
7/7/2009 7:36 AM
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You’ve probably heard it before; your brand new car drops about 20% in value the minute you drive it off the lot. Let’s face it, the first few miles you drive a new car are certainly the most expensive on a cost per mile basis. And if you borrow money to purchase the new car, you are even more vulnerable. A standard NC auto insurance policy will not protect you completely, but there is a way to cover yourself more fully.
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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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