North Carolina is full of beautiful homes and gorgeous lawns. For most of these yards, that lush, green grass couldn't be achieved and maintained without landscapers. Therefore, this may be a good business to have in North Carolina, even if there is some competition. Whether you have had a landscaping business for some time or considering a start-up, it is important that you have professional liability insurance.

When Might Liability Insurance Come in Handy?

In order to fully understand how liability insurance can help you out of a sticky situation, let's look at an example. Let's say that you were contracted by a regular customer to install some outdoor landscape lighting. Unfortunately, you were booked and they needed it by the end of the week for a big weekend gathering. You hire a friend of yours who has worked with you in the past to help out. The work turns out excellent.

Sadly, one of the party guests gets injured because one of the wires was not buried appropriately and they tripped and fell. The customer says you are responsible and wants you to pay. If you don't have liability insurance, then this type of situation could literally derail your business. However, liability insurance can help you pay for legal fees as well as court settlements.

Don't Put Your Company at Risk

If you aren't covered, then your business is at serious risk. Take the time to consult with one of our local independent insurance agents to discuss what insurance needs your business in North Carolina has. Our commercial insurance agents are here to help you in every way possible to ensure that your landscaping business stays on track with the right type and amount of business coverage.

Throughout Matthews, North Carolina, you have the best of both worlds. The town is quiet enough to enjoy the small town feel. However, you are close enough to Charlotte to enjoy the bustling city life whenever you wish.

When you begin to shop for life insurance, it’s important to know what to look for. There is a lot of terminology and it can become confusing. There’s term life, whole life, and universal life. Some have monetary amounts attached to them and some you have to determine how long you wish to purchase insurance for.

You want the best for your family in the 28105 zip code and therefore it’s not a decision you can make quickly. We have some of the best agents and this makes it easy to learn about all of your options. We can walk you through such decisions as:

– The type of insurance to buy

– The level of monetary award

– The term

There are decisions to make to buy life insurance in Matthews, North Carolina. We have some of the best agents to talk you through the process and help you with the decisions. We can also make comparisons between the various life insurance companies.

Ultimately, when you obtain life insurance in the 28105 area, you want to make sure you have enough value to your life insurance that your family is protected when you ultimately die. What could provide financial sustenance now may not be enough 10 or 20 years from now and that’s why the best agents should work with you throughout the process.

Call us today and let one of our life insurance agents talk to you about a policy that is affordable and will provide coverage for you and your family in the event that you pass away.

Insurance coverage exists for many situations that would otherwise result in significant financial impact for an individual or a business. Instead of being driven to bankruptcy, you have insurance cover the legal fees and costs associated with a liability lawsuit. This works for at-fault accidents you cause driving, people getting injured or killed on your property, and harm caused by products you sell as a business.

Insurance can also help mitigate the long lasting damage that comes from theft, fire, loss, and other natural disasters. For personal insurance, you can get the contents of your home or apartment replaced or repaired. This helps you with rebuilding your life after a major disaster, so you aren’t paying for clothes, furniture, and other valuable assets out of pocket. For a business, not only does this type of insurance cover replacement costs, but it also insures the cash flow of the business while they are unable to operate.

When you set up an insurance policy, you choose your coverage level, the perils that are named in the policy, and your deductible. The monthly premium that you pay for your insurance depends on the amount of total coverage you have, whether you have a low or high deductible, and the range of coverage on the policy. You may be able to get a discount on your insurance if you have multiple policies with the same company.

Need help figuring out what insurance policies work best for your life? At our insurance company in Charlotte, NC we offer a free online quote system that helps you to understand exactly what you need, how much coverage you need, and how much it ends up costing you on a monthly basis.

Your business couldn’t be doing better, but you have an unfortunate situation where someone tripped and fell in your retail storefront. You don’t think it’s the biggest deal in the world at first, but they sue and you didn’t look into liability coverage for your business. Instead of putting all of your energy into your business, you’re in court day in and day out, looking at mounting legal expenses as you attempt to defend yourself in court and reach a fair settlement. You can avoid the massive financial hit that comes from lawsuits by looking into NC commercial insurance.

While liability is the primary reason to pick up commercial insurance, the benefits don’t end there. You can also get protection for situations that result in you being unable to conduct business normally, due to damage to your property or essential equipment. This is called loss of use insurance, and it helps to get you past unexpected disasters without having to shut your doors.

Another type of beneficial NC commercial insurance policy involves providing your vehicles with commercial coverage. This ups your coverage limits and protects any business equipment contained within the vehicles, instead of dealing with much lower limits on personal auto insurance policies. If you use many vehicles for your business, you can bring down the cost even further with fleet insurance.

Commercial insurance is designed to protect the business against any major problems that would blindside someone without financial protection. Talk to our independent agents in Charlotte, North Carolina to find out what NC commercial insurance options are appropriate for your business, budget, and way of life.