Electrical contractors have an important job: they repair, set up, and install electrical wiring, sockets, electrical boxes, and more in homes and businesses. While this may sound easy, the job itself is filled with potential dangers and hazards, from damaging a customer’s property by accident, losing and breaking tools, and even lacking the correct surety...
Food trucks have been trending for years now, and their popularity certainly isn’t going anywhere soon. With the number of people who enjoy eating from them, it makes sense for those who want to own a mobile restaurant to start one. However, with all of the other things that go along with starting a food...
Pools are incredibly popular this time of year. It makes sense. A combination of warm, sunny weather and no school calls for people to spend their afternoons outdoors, either socializing by the pool or lounging in it. What’s the only problem with this? Pools can be dangerous. Each year, the number of almost-and accidental drownings...
Businesses of all sizes rely on independent contractors. These workers aren’t technically employees, as they don’t receive the benefits like those that are official and full-time, but they do play a crucial role in your workforce, helping meet goals and providing supplemental labor. While you appreciate the work that they do and find their time...
Extreme weather events occur often this time of year. These summer thunderstorms and hurricanes bring damaging wind and rain along with them, and leave a trail of destruction, like fallen trees, in their paths. Cleaning up and repairing the damage to your house is your next step, but will your homeowner’s insurance cover those services?...
June is the start of “wedding season,” due to its consistently warm temperatures and plethora of beautiful sunshine. The problem with wedding season? That weather isn’t always predictable, and large storms can easily derail outdoor wedding plans. Add in problems with vendors, issues with venues and caterers, as well as the potential for guest injuries...
Fun summer events, like fairs, community festivals, and farmer’s markets are incredibly popular. They’re often populated with rented carnival rides, independent craft and antique vendors, and food trucks. Not only do these vendors bring in foot traffic, but they also help pay for the cost of the event, thanks to their table and booth fees....
Spring is the most common time to buy a home. It makes sense, since the winter weather that keeps people cooped up indoors often leads to dissatisfaction with your current living arrangements. In addition, purchasing a house in the spring provides you with good summer and fall weather to get situated into your new space,...
There are many different types of insurance policies that businesses need in order to stay protected. Options like a BOP, or Business Owner’s Policy, which combines things like insurance on your building and its property, as well as general liability insurance are necessities. Depending on the type of business that you run, you may also...
Sump pumps play a key role in keeping the first floor or basement of your home nice and dry. Without one, you could be prone to flooding that your insurance may not cover because it isn’t caused by a broken pipe. In fact, this brings up the question of whether or not the damage caused...
When it comes to insurance coverage, it’s crucial to know the difference between a business owner’s policy, also known as a BOP for short, and general liability insurance. While both have one thing in common, there are several differences that make the two distinct. Understanding that, as well as why it’s important to have the...
At Spivey Insurance Group, we know life insurance is one of those things people mean to take care of, but often put off. Usually, that is not because you do not care about it. It is because the process sounds like a hassle. You picture medical exams, a lot of paperwork, long waits, and more...
