You may have seen the videos captured on dashboard cameras: a vehicle stops short of a pedestrian, only for the person to throw themself on the hood with the flair of a professional soccer player. Or a driver who witnesses…
If you own a home you’ve noticed that homeowners insurance premiums have been increasing. It’s actually happening across the US and with every carrier. In the video we explain why we are all seeing increases in homeowners premiums. 5 reasons…
In South Carolina, every employer should carry Workers Comp to protect employees, the company and the business owner. South Carolina does require all employers to carry Workers Comp once the employer has 4 or more employees. These employees can be…
We are in an “insurance hard market“. In simple terms, a hard market is when more carriers decline or restrict insurance offerings. Characteristics are dramatic premium increases; underwriting restrictions increasing and more binding suspensions on certain products or in targeted…
Who Needs Workers’ Comp in South Carolina? South Carolina employers are required to carry workers’ compensation if they have 4 or more employees, whether full or part-time. This applies when payroll is at least $3,000.00 annually. However, there are limited…
Coverage A or Dwelling Replacement. What is it? What does it do? Watch the video above for a quick summary of what Coverage A is. Dwelling insurance, also known as dwelling coverage or Coverage A, is the portion of your…