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Category: Gregs Blog

Did Your Business Change Operations Because of Covid?

As businesses pivoted their operations to adapt to Covid restrictions, some of the changes may have an impact on workers comp policies.  Here are a few things to keep in mind when it’s time to do your next audit: Did job descriptions change?-- many folks now work remotely from home, often doing jobs virtually that previously required hands on activity.  For example, some hands-on jobs...

Warning for business owners— check your health insurance policy before…

Warning for business owners — check your health insurance policy before excluding yourself on workers comp. To lower workers comp premiums, business owners often exclude themselves from workers comp, thinking they have coverage for injuries and sickness on their health insurance policies. Before adopting this strategy, it makes sense to check your health insurance policy to make sure it does not impose an exclusion for...

Does your business need Professional Liability Insurance?

Many businesses assume their general liability insurance covers most of their exposures. However, there are a number of situations that are excluded by general liability policies— professional liability being one of the main areas not covered. Is your business susceptible to professional liability exposures? Typically, businesses that provide professional advice are well aware that professional liability, sometimes referred to as Errors and Omissions coverage (E...

Protect Your Home With A FORTIFIED Roof ™

Just wanted to pass along some information about a new grant offered by the NC Insurance Underwriting Association (NCIUA). If you have a home on the coast, you may be eligible for up to a $6,000 grant toward a FORTIFIED Roof ™ to be installed at your property. Although sufficient homeowners insurance is essential in protecting your home, a sound architectural structure for your property...

Be Careful When Setting Up Condo Insurance

Hello, everyone. We just ran into a serious claims issue regarding our client’s condo insurance policy. In a nutshell, our client experienced a fire and suffered significant damage to his condo unit. When the insurance adjuster met with the condo association to coordinate the repairs, it was determined that our client was underinsured by about $25,000. That’s a problem! Although the insured value of the...