Short answer: North Carolina does not require you to carry homeowners insurance. Your mortgage lender almost certainly does, and state law has a good bit to say about how your insurer has to treat you once you have a policy.…
Your auto liability coverage protects other people from you. Uninsured and underinsured motorist coverage (UM and UIM) protects you and your family from everybody else. In North Carolina, both are built into your auto policy by law, and the amount…
If you hire subcontractors in North Carolina, their workers’ comp problem can become your workers’ comp problem. It doesn’t matter that the sub is a two-man outfit that isn’t required to carry coverage on its own. It doesn’t matter that…
If you own a business with a partner, answer one question: if your partner died tomorrow, who would own their half? For most North Carolina small business owners, the honest answer is “their spouse,” and the second honest answer is…
Standard NC homeowners insurance excludes flood. Here's what NFIP actually covers, the 30-day waiting period, and the September 30 reauthorization deadline.
Who’s Required to Carry Workers’ Comp in NC Under the North Carolina Workers’ Compensation Act, employers with three or more employees — full-time, part-time, seasonal, or family — are required to carry workers’ compensation insurance. There are limited exceptions for…
Every North Carolina driver is required by state law to carry minimum auto insurance limits. Almost none of those minimums are enough to protect you in a serious accident. Here’s what the state requires, what it actually covers, and what…
Most North Carolina homeowners I talk to have one of two problems: they’re underinsured and don’t know it, or they’re paying for limits they don’t need. Both come from the same root cause — nobody walked them through the math.…
“Most contractors have no idea how their premium is calculated — or how much their experience mod is costing them. Here’s exactly how the math works.” Have you ever called several different agents, asking for a workers compensation rate quote,…