May 2022

25
May

Does Workers’ Compensation in NC Cover Injured Truck Drivers?

Truckers may be entitled to worker’s compensation if they’re ordinary employees working for a large company. Their employer should sponsor their coverage because they control the workplace, schedule, and manner of work. However, an owner-operator who has a contract with other parties to transport freight for a fee is a contractor rather than an employee of their clients. Clients aren’t

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18
May

Is Umbrella Insurance Necessary in North Carolina?

Umbrella insurance provides additional liability coverage beyond the limits of your primary liability insurance policies. For instance, if someone is injured at your home and files a personal injury lawsuit against you, your personal liability coverage covers the costs up to your policy limits. Umbrella insurance will come in to cover the balance, and hence, save you from out-of-pocket costs.

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11
May

General Liability Insurance for an LLC – What You Need to Know

General liability insurance is a commercial policy that provides coverage against liability claims resulting from: Bodily injury Property damage Personal liabilities like defamation, wrongful detention, and copyright infringement Advertising liabilities If a customer is injured on your premises, the policy can pay for their medical costs. It can also cover compensation for property damages, legal settlements, and defense fees. Cost

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4
May

What Are the Differences Between Commercial and Business and Personal Auto Insurance?

Insurance companies usually recommend buying separate auto insurance policies for your business and personal vehicles. Finalizing terms for both personal and commercial auto insurance in NC can be complicated at times because of the differences in coverage and situations covered. Learning the similarities and differences between these policies and the potential liabilities covered will help you choose the right coverage

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