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Liquor Liability Insurance: Why should businesses that serve alcohol be protected?
The liquor liability insurance market is changing rapidly, creating challenges for bars, restaurants, breweries, wineries, event venues, and other businesses that serve alcohol. Over the past few years, many business owners have seen premiums rise dramatically, coverage options shrink, and underwriting requirements tighten. What's impacting the market? One of the biggest factors impacting liquor liability insurance is the rise in claim severity. Jury awards and settlements re
2 days ago2 min read


Understanding the Differences Between HMO, PPO, and EPO Health Plans
Choosing the right health insurance plan is one of the most critical decisions for individuals, but also for business owners. With so...
Jan 23, 20255 min read


Understanding the Average Cost of Employee Benefits for Small Businesses
As a small business owner, you’ve been there more times than you can count: your employees need comprehensive benefits to continue...
Jan 17, 20254 min read


Addressing Workers’ Compensation for Event Staff and Temporary Workers
Event staff and temporary workers play a crucial role in making larger-scale gatherings, from weddings to hyped festivals run smoothly....
Dec 12, 20246 min read


The Impact of Seasonal Changes on Commercial Insurance for Landscaping Businesses
Your landscaping business thrives on nature’s rhythms, but those same seasonal cycles also bring unique challenges. Each season...
Dec 2, 20245 min read


Be Prepared with a Commercial Insurance Renewal Checklist
When running a business, there are many things on your mind. Renewing your commercial insurance is most likely not very high on your...
Nov 21, 20244 min read


Alternative Insurance Options When Traditional Policies Become Unaffordable
As insurance premiums continue to rise, business owners and homeowners grapple with the growing challenge of affording traditional...
Nov 7, 20245 min read


The Pros and Cons of Self-Insuring Your Home in a High-Premium Market
In a high-premium market, self-insuring your home can offer significant savings and increased control over your finances. However, it...
Oct 24, 20245 min read


Why Are Insurance Companies Dropping Homeowners? Understanding the Current Crisis
The homeowner’s insurance market has been in turmoil for some time, with many homeowners finding themselves caught off guard as insurers...
Oct 10, 20245 min read


How to Choose the Best 401(k) Investment Options Based on Your Retirement Goals
Planning for retirement can feel overwhelming, especially when it comes to figuring out which 401(k) investment options are right for...
Sep 18, 20244 min read


Storm Preparedness Tips to Protect Your Home and Business
Storms can hit with little warning, leaving a trail of destruction in their wake. The National Oceanic and Atmospheric Administration...
Sep 6, 20245 min read


Workers’ Compensation for Sales Reps: Coverage While on the Road
Sales reps rank among the professionals who have the highest annual mileage in comparison to other professionals. As a result, their...
Aug 21, 20244 min read


How to Make Sure Your Business Is Covered by Insurance for Hurricane Season
Since 2016, hurricanes have cost the US economy half a trillion dollars. Over the period from 2016 to 2022, the country was hit by...
Aug 7, 20244 min read


Freelancer Coverage for Ride-Sharing and Delivery Services
Most professionals take insurance for granted but this isn’t the case for freelancers. As of 2022, 42 percent of freelance professionals...
Jul 24, 20244 min read


Healthcare Industry Insurance: Navigating Regulations and Liability Concerns for Medical Practices
Did you know that 31 percent of physicians practicing in the US had a claim filed against them throughout their careers? While most...
Jul 10, 20244 min read


Insurance Solutions for Nonprofit Organizations
A nonprofit organization works with various kinds of equipment and it could also be targeted by lawsuits. Having insurance as a form of...
Jun 19, 20244 min read


Do You Need Commercial Auto Insurance?
Like all other types of commercial insurance, business vehicle auto insurance offers protection from financial losses. The involvement of...
Jun 5, 20244 min read


Cyber Insurance for Retailers: Protecting Against Payment Card Data Breaches and Fraud
Cyberattacks are becoming a growing concern among small business owners. According to research, 88% of small business owners are...
May 21, 20244 min read


Key Factors that Influence the Cost of Your Insurance Premium
Car insurance premiums are among the highest expenditures for car owners. According to data, full coverage car insurance costs about...
May 8, 20244 min read


Workers' Compensation Fraud: Identifying Red Flags and Preventive Measures for Employers
Worker's compensation is a mandatory insurance policy in most U.S. states. This insurance policy helps protect and compensate workers in...
Apr 19, 20245 min read
Welcome to our blog. Here, you can find the latest insurance articles, insights and updates from Carolinas Insurance & Investment Group.
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