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Electrician Work Comp Insurance – Pay As You Go, Saves The Cash Flow |
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By Wake Clinard on
4/27/2010 8:54 AM
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Electrician insurance plans should all include a workers compensation policy unless of course you work alone and have no employees. And work comp policies can really punch a hole in your cash flow if not handled correctly. For more information on this, read my blog on the audit trap. In addition, there come times when work is hard to find and you may experience a drop in your cash flow. What if there were a program that would adjust your premiums to match your current work load and cash flow?
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Garage Insurance – Division I or Division II? |
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By Wake Clinard on
4/21/2010 8:51 AM
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It is often said that the garage insurance policy is one of the most misunderstood forms of insurance. The problem is that this form of insurance essentially is a hybrid of a general liability insurance policy and a business auto insurance policy. More than that though, this form is a specialized form, used only for auto body and repair shops and auto dealers. Given that, many agents, who don’t specialize in helping these specific industries with their insurance needs, don’t really understand the ins and outs of the garage insurance policy and as a result they may issue a policy to you under the wrong form. So how do you know if you have the right protection?
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NC Homeowners Insurance Policy – Sewer Backup Coverage Is Changing |
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By Wake Clinard on
3/23/2010 9:53 AM
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Many North Carolina homeowners will be losing coverage on their homeowners insurance policy over the next few months. Most won’t bother to read the fine print in their renewals so they won’t even know what they lost. Hopefully, for those of you astute enough to follow this blog, this won’t be the case.
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Landscaper Work Comp Insurance – Pay As You Go, Saves The Cash Flow |
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By Wake Clinard on
3/16/2010 10:37 AM
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Landscaping insurance plans should all include a workers compensation policy for landscapers unless of course you work alone and have no employees. And work comp policies can tear a whole in your cash flow if not handled correctly. For more information on this, read my blog on the audit trap. In addition, many landscapers suffer a slow season in the winter as there is less work to be done. This slower season creates a cash flow bottom. What if you could time your workers compensation policy to match the slower cash flow in this down season?
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Auto Repair Shops Workers Compensation Insurance – Protect Your Mod |
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By Wake Clinard on
3/8/2010 9:39 AM
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Most automotive repair and body shop owners have at least a general knowledge of workers compensation insurance. They know that they need it and they know it can cost a lot of money. But only a few really understand the experience modification factor and what it could mean for their future work comp insurance policy costs. This little primer will help you understand just how important it is to protect your mod and how to do it.
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Landscaper’s Insurance – Don’t Forget The Workers Compensation Policy |
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By Wake Clinard on
2/24/2010 11:01 AM
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Landscaping insurance can be found in many different forms. One coverage that every landscaper with employees should have is workers compensation. In North Carolina, the law states that if you have fewer than 3 employees you don’t have to purchase workers compensation insurance. But what this rule doesn’t tell you is that not buying a policy could put your business assets at risk.
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New NC Auto Insurance Changes Could Trip Up Insurance Buyers |
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By Wake Clinard on
2/18/2010 4:10 PM
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Effective 2/1/10, there are some little known statutory changes to the NC auto insurance policy that could trip up insurance buyers or even allow unscrupulous agents a way to sell you less coverage and pass it off as a better deal for you. Understanding the way the new law works and what it means for you is important to everyone who buys car insurance in the state of North Carolina.
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If You A Board Member For A Nonprofit Please Read This Blog |
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By Wake Clinard on
2/11/2010 11:39 AM
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Almost everyone has a cause or a charity that they love and support. And quite a few of us sit on the board of directors of our favorite non-profits. The most common case is found with those who sit on the board at their church. And in the case of us giving our time and energy to our favorite cause, few of us understand the risks we are taking financially. But there is a quick, easy and inexpensive step your can take to protect yourself from this risk.
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Garage Keepers Insurance for Used Car Dealers |
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By Wake Clinard on
2/2/2010 10:58 AM
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Most used car dealers understand that they need a garage insurance policy for their business. And some even understand that they need dealers open lot coverage for their inventory. But there are some dealers out there who perform a hybrid function for their clients and we often find that these dealers have overlooked a garage coverage that leaves them wide open for an uncovered loss. If you are a used car dealer who does some repair work, you really owe it to yourself to read this article, and then check your policy to make sure you are covered properly.
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