Author Archives: spivey

Landscaping is a tough job. Not only does it consist of a lot of physical labor, but there are a number of tools and pieces of equipment needed in order to get the job done. Those who run landscaping companies understand the importance of having the right insurance protection. With so many different moving pieces, […]

Your wedding day is supposed to be the most perfect day of your life. The sun should be shining, your venue needs to be decorated beautifully, and everything should go just as planned. However, this isn’t always the case. Unfortunately, things can go wrong, fairly quickly, as you can’t control Mother Nature, your vendor’s businesses, […]

Icy, snow-covered sidewalks are prevalent this time of year. Because of this, some cities and housing associations have regulations in place stating that the sidewalks in front of all houses and other buildings need to be kept clear of snow, in order to make walking easier. The issue with this is that removing the snow […]

Everyone wants to save money on their auto insurance, but what happens when you get into an accident or are caught speeding and have a pricey ticket to prove it? Will your rates go up? The short answer is yes. However, the truth is much more complicated than that. The severity of the traffic violation, […]

It seems like every day there are more internet threats popping up, right and left. Hackers disrupt entire websites, leaving people unable to shop. They attack whole networks, knocking thousands of sites offline for hours or days. Some have even started holding certain networks hostage, refusing to release them from their code-based grasp unless a […]

Buying a new home requires a lot of paperwork and decision-making. Two of the many things to consider getting in order to protect yourself are home insurance and home warranties. Both are quite different and provide varying types of coverage. There are situations where a homeowner may need both of them, although it helps to […]

An insurance policy is designed to cover and protect everything in your home or apartment, right? Unfortunately, unbeknownst to many, the answer to that question is: no. There are policy limits on everything from renters insurance to homeowners insurance and business insurance, so if you have expensive items in your home or building, and something […]

Running a business is complicated, as it requires keeping track of many different things, from employee salaries and benefits to the goods and services that you offer. While general liability insurance can help to protect your business, it’s not quite enough to cover all of those complicated departments, products, and more. This is why businesses […]

Understandably, umbrella insurance is something a lot of people misunderstand. If you have auto insurance and homeowners insurance, you don’t need an umbrella insurance policy, right? Wrong! Sometimes an accident can be so bad that it will quickly overcome the liability limits of your standard insurance policies and leave you in the dark. Umbrella insurance […]

Sometimes, accidents happen on the job. But when they do, you need to have good workers in place, excellent protocols, and financial protection. Of course, the safety of your employees should be your first concern: these are people who have families to take care of. However, you do as well, so you need to think […]

Most people in the US carry homeowner’s insurance because it helps protect you against unforeseen problems. Being caught without it could literally turn into someone’s worst nightmare. Additionally, mortgage lenders typically require home insurance when individuals apply to get a loan, and it is often one of the first things people consider when they decide […]

Are you sure you don’t need a commercial auto policy? You may want to think long and hard about that one. Many people here in North Carolina think they don’t need a commercial auto policy when in reality, they are flirting with danger. Luckily, there are some easy ways to determine if you need a […]