Author: MIG

You’ve probably noticed that gas prices are coming down. According to GasBuddy, North Carolina’s average dropped 40 cents from last month, and South Carolina’s almost 44 cents. But Action 9 investigator Jason Stoogenke says drivers should plan to pay about $10 more on car insurance per month next year. The group Insurify says the average driver has been paying $1,777 for car insurance this year. The group expects that to go up to $1,895 next year, which is a 7%…

Follow these steps to prepare your small business for winter As your small business gears up for the holidays and year-end reporting, don’t forget to have a plan in place for severe winter weather. Last year we saw extreme winter weather hit such southern locales as Miami, so now’s the time to begin to prepare your small business for winter.   Winter energy-saving tips Lower your thermostat during off hours. Why pay to heat your building when no one’s there?…

Workers compensation insurance has a dual role. It protects your business as well as all of its employees. States require businesses to purchase the insurance, so business owners in the pool and spa industry need to know what, specifically, it covers. Workers Comp Protects Your Business If an employee is injured at work, your business has no obligation to pay a worker who is absent and accepting weekly compensation payments. The employee who accepts workers comp payments relinquishes the right…

If you’re going to do business, insurance is a fact of life. Insurance is the means by which you protect yourself both from disaster and from liability while you do business. Pretty much everyone knows what insurance is — after all, if you want to drive a car, you’ve got car insurance. If you need to go to the doctor, you’ll need health insurance. Everyone who owns property has homeowner’s insurance, and many who lease have renter’s insurance. Commercial insurance…

22 Surprising Facts About the World Cup We all enjoy our football, and rightfully so. We’ve been playing “gridiron,” as it’s known in other countries, since 1869. If you’ve been fortunate enough to travel abroad, and I hope that you have, you’ve no doubt discovered that “football” in other countries isn’t football at all. Rather, it is what we call soccer, and if you think we’re passionate about our football, you haven’t been to a “football” game abroad! Just like…

¿Tu propiedad comercial está protegida? Sigue estos pasos para que ninguna catástrofe natural te tome por sorpresa y sepas cómo protegerlo. En cuestión de minutos, una catástrofe natural puede ocurrir, y en muchas ocasiones, sin advertencia. Esto implica grandes preocupaciones y posibles pérdidas para pequeñas y medianas empresas. Proteger tu propiedad comercial es algo que debes hacer para estar preparado en todo momento. A continuación, te compartimos cinco pasos claves para cuidar tu propiedad comercial ante cualquier evento atmosférico. Paso…

Commercial insurance is a necessary expense for any small business. As important as it is, many business owners know very little about insurance policies for businesses and just how much coverage is enough. With other major decisions, like your location or who you hire, you’ll be able to see pretty quickly if you’ve made the right decision. If you get the wrong insurance, it might not come back to bite you until years down the line—and often in the midst…

Ghost and goblins and ghouls! OH MY! With Halloween coming up next week, be sure you are ready for some of the possible scares that can come with the holiday.  Jack is cute, but also a hazard. If you carve a jack o’lantern this year for your front porch, consider replacing the fire-lit candle with a battery-operated one. Fire hazards are a real scare for this holiday. In fact, according to the National Fire Protection Association, U.S. fire departments respond…

What is commercial auto insurance? Commercial auto insurance, also known as commercial vehicle insurance or business auto insurance, provides coverage for vehicles such as cars, trucks, vans, and trailers used for business purposes. Any vehicle that is used to transport materials, tools and equipment, packaged goods or people should have a commercial auto policy. Why do you need commercial auto insurance? Independent contractors and small business owners need to safeguard themselves from third-party liability and property damages that may occur…

Is your business insurance a trick or a treat? As a business owner, you probably know insurance and risk management should be top priority to ensure smooth operation of your company. However, insurance is a complex area and, as such, there are mistakes or oversights that might prove costly for your business. We’ve made a list based on the most common omissions our experts regularly come across when reviewing the insurance of small or medium enterprises. So, say “no” to…