What Types of Businesses Need Commercial Insurance

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No matter the type of business you own, there’s a good chance you need some type of commercial insurance. The exact type of commercial insurance that you need will depend on your business. Here at Griffin Insurance Agency serving the Mooresville, NC, area, we have agents who can help you assess your business to determine the type of commercial insurance that you need. Here’s a close look at different types of businesses and the insurance they need.

Construction Companies

Construction sites are hazardous. You can have top quality workers who have gone through intense safety training, but accidents still happen. What would happen if one of your workers was injured on the job site and racked up $250,000 in medical expenses? Would you be able to cover those expenses? This is why you need commercial insurance.

Hair Salons

You may think owning your own hair salon at your house wouldn’t require having commercial insurance, but it does. You never know when a customer could fall on your property. And if your homeowner’s insurance doesn’t cover the injury, you would need commercial coverage to help with the associated costs.

Auto Repair Shops

What happens when you perform an auto repair and due to a mistake, you end up causing a vehicular accident? The total expenses would be outrageous. With the right type of commercial insurance policy in place, you can rest easy knowing your business is safe even when something goes wrong.

To learn more about the advantages of commercial insurance and the types of business that need a policy, please contact Griffin Insurance Agency. We have agents who can help you determine your exact insurance needs.

What You Should Know about Home Insurance and Hurricanes

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Does a Home Policy Protect my House from Hurricanes?

North Carolina has to deal with hurricanes from time to time, and there are certain things you should know about your home insurance.

Floods Aren’t Covered: If the damage your home gets is from flooding, which is defined as a body of water overflowing, such as during a storm surge, then it’s not going to be covered by home insurance. However, if the water damage your home incurs is caused by wind, such as wind-driven rain that comes in through the roof or windows, then that may be covered.

You Could Have a Higher Deductible for Hurricane Coverage: It’s always a good idea to read your policy closely or speak with an agent at Griffin Insurance Agency in Mooresville, NC to see if damage from hurricanes requires an additional deductible.

There Are Rules for Fallen Trees: If your home is spared, you may still have damage from trees that fell. If your tree damages your neighbor’s property, then he or she could file a claim with his or her insurance company, which will usually pay to fix any damages. If a tree falls but doesn’t damage anything, then you have to check with your insurance company to see what they will pay for clean up, which can range from nothing to $1,000.

Insurance Can Pay for Living Expenses While Out of Home: Depending on your policy, you may be able to get coverage for additional living expenses while out of your home. Keep receipts for reimbursement.

Contact Your Insurance Company in North Carolina Right Away

Many insurance companies will want you to make some temporary fixes, such as adding a tarp, in order to prevent any further damage from happening. However, take pictures before you make any fixes and keep the receipts for any supplies you purchase since you could be reimbursed.

Contact Griffin Insurance Agency in Mooresville, NC to get a quote on home insurance.