Prepare for a hurricane (Ian)

10 Hurricane Prep Tips As of Tuesday, September 27, 2022, Hurricane Ian is headed towards the eastern coast of Florida. The trajectory has the hurricane moving across NE across Florida into Georgia then the Carolinas. Our hopes are the storm…

Homeowners Coverage D: Loss of use

Loss of Use Coverage D: What is covered? Loss of Use Coverage (Coverage D) is a part of your homeowners’ insurance policy that covers added living expenditures that may occur when your home is temporarily uninhabitable. Imagine the following: Your…

Homeowners Insurance: Coverage B

What is Coverage B on a home insurance policy? Coverage B, also known as other structures insurance coverage, is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a…

How a Return to Work program will benefit your company

Return to work programs help you get injured employees back to their normal or modified job duties as quickly and safely as possible. Instead of paying for workers’ compensation costs and lost work days, you’ll save money by paying your…

3 Reasons Why you need a DASH CAM.

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…

Why did my Homeowners Insurance premium increase?

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…

Workers Comp – 4 Things to start off correctly

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…

What is an “Insurance Hard Market”

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…

Understanding Workers Comp in South Carolina

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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…

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