Small Business Insurance in Rock Hill SC

Small Business Insurance in Rock Hill SC

Small Business Insurance in Rock Hill, SC“I wanted to put in writing a thank you!  Marty, you and your team’s performance regarding managing our employee benefits has been amazing! Not only did you keep communications open with us, but we were also continually assisted with our insurance needs.  Being a blue-collar industry as well as…

Small Business Insurance in Charlotte NC

Business Insurance in Charlotte NC

Business Insurance in Charlotte, NC   You’re a business owner in Charlotte, NC, seeking peace of mind and financial security for your business. You want the best service, great coverage, and the best price for your business insurance needs. Business insurance can be complex and overwhelming. The confusing and intricate nature of business insurance policies.…

Plumbing Insurance

Essential Business Insurance Tips for Plumbing Businesses

Essential Business Insurance Tips for Plumbing Businesses Assess Your Risk Identify potential risks specific to your Plumbing business, such as property damage, liability claims, worker injuries, and vehicle accidents.   Choose the Right Coverage Invest in insurance policies that adequately cover your business needs, including general liability insurance, commercial property insurance, workers’ compensation insurance, commercial…

Why Does a Plumbing Business Need Insurance?

Why Does a Plumbing Business Need Insurance? Liability Protection Insurance provides coverage in case of accidents or damage that occur on the job site, protecting the contractor or business from potential lawsuits and financial losses.   Property Protection Insurance can cover the cost of repairing or replacing tools, equipment, and vehicles in the event of…

Why Does a HVAC Business Need Insurance?

Why Does a HVAC Business Need Insurance? Liability Protection Insurance provides coverage in case of accidents or damage that occur on the job site, protecting the contractor or business from potential lawsuits and financial losses.   Property Protection Insurance can cover the cost of repairing or replacing tools, equipment, and vehicles in the event of…

Essential Business Insurance Tips for HVAC Businesses

Essential Business Insurance Tips for HVAC Businesses Assess Your Risk Identify potential risks specific to your HVAC business, such as property damage, liability claims, worker injuries, and vehicle accidents.   Choose the Right Coverage Invest in insurance policies that adequately cover your business needs, including general liability insurance, commercial property insurance, workers’ compensation insurance, commercial…

What are 5 Things People Look for in a Local Insurance Agent in Lancaster SC

What are 5 Things People Look for in a Local Insurance Agent?

What are 5 Things People Look for in a Local Insurance Agent in Lancaster SC? When searching for a local insurance agent in Lancaster SC, people typically look for someone who is knowledgeable, trustworthy, and responsive to their needs. Here are some more specific details and examples of the top things people look for in…

The Top 5 Myths About Insurance in Lancaster SC

The Top 5 Myths About Insurance

The Top 5 Myths About Insurance   Insurance is something that most of us will need at some point in our lives. Yet, there are still many myths and misconceptions surrounding insurance that can prevent people from obtaining coverage. In this blog post, we’ll debunk the top 5 myths about insurance and set the record…

Life Insurance in Lancaster SC

5 Common Myths About Life Insurance You Need to Know

5 Common Myths About Life Insurance You Need to Know   Debunking Misconceptions About Life Insurance Life insurance is a crucial financial product that can provide valuable protection for you and your loved ones. However, many people have misconceptions about life insurance that prevent them from getting the coverage they need. In this article, we’ll…

Local insurance Agency Lancaster SC

What are the Drawbacks of Purchasing Insurance Services Online?

What are the Drawbacks of Purchasing Insurance Services Online & Why You Should Choose a Local Insurance Agency   The Importance of Using a Local Insurance Agency The internet has made it easy to purchase almost anything online, including services such as insurance. While buying insurance online or using an out-of-state provider may seem convenient,…

HFC Insurance Customer Service

How Does HFC Insurance Provide Outstanding Customer Service to Our Clients?

How Does HFC Insurance Provide Outstanding Customer Service to Our Clients?   At HFC Insurance, customer service is more than just words. It’s our culture. Join our family to see what we are talking about.   Here are some of the key factors that make our customer service stand out:   Local Support We are…

10 Benefits of a Business Owners Policy

10 Benefits of a Business Owners Policy   A Business Owners Policy (BOP) is a type of insurance package that is designed to provide coverage for small and medium-sized businesses. It typically combines various coverages, such as property insurance, liability insurance, and business interruption insurance, into one convenient policy. A BOP typically covers damage to…

Workers Comp in Lancaster SC

Workers compensation coverage: Mistakes to avoid when making the purchase

Workers Compensation Coverage: Mistakes to avoid when making the purchase   Workers compensation coverage is insurance that provides benefits to employees who are injured or become ill as a result of their job. The coverage typically includes medical expenses, lost wages, and rehabilitation costs.   Here are some common mistakes to avoid when making a…

The ultimate guide to commercial insurance in Lancaster SC

The Ultimate Guide to Commercial Insurance

The Ultimate Guide to Commercial Insurance: Protecting Yourself and Your Business   Assess Your Business Needs Evaluate the risks associated with your business and determine the insurance coverage you need to protect yourself and your business.   General Liability Coverage Business general liability coverage is a type of insurance that provides financial protection for businesses…

Lawsuit

New Federal Law Bars Forced Arbitration for Workplace Sexual Harassment Claims

President Biden has signed into law a measure that bars forced arbitration for workers who are victims of workplace sexual assault or harassment. The Ending Forced Arbitration for Sexual Assault and Sexual Harassment Act bars employment contracts from requiring employees to settle their claims through private arbitration instead of in a court of law. Arbitrations…

Umbrella Policy

Why Wealthy Households Need Specialized Personal Umbrella Coverage

For high-net-worth individuals, the financial consequences of being sued can be serious business. They typically have more assets at risk should be they be hit with a large court settlement or judgment and, while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their…

Court

Protecting Your Firm from Employee Benefit Lawsuits

Employment practices and employee benefit-related lawsuits are on the rise – and employers have to be eternally vigilant when it comes to meeting their compliance obligations as plan sponsors. Take the case of Visteon, a global automotive industry supplier, which outsourced its payroll and enrollment/disenrollment functions to outside plan administrators. But because of internal mistakes…

New Year Checklist

Your New Year Insurance Checklist

As the new year gets underway and while you’re making New Year’s resolutions, you should also resolve to review the state of your business’s insurance program. The best way to do that is to start by reviewing your enterprise’s activities in the past year and how they may affect your insurance policies in the new…

Independent contractor

DOL Issues New Definition of Independent Contractor

In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Because independent contractors are typically ineligible for employee benefits, businesses have an incentive to classify workers that way. The new regulation’s purpose is to make answering the question…

Plant Safety

In-House Inspections Crucial to a Safe Workplace

When was the last time you or the person responsible for safety walked around your facility, warehouse, office or workplace and did an inspection? Your Injury and Illness Prevention Program states that the owner, supervisor or person with authority and responsibility shall conduct periodic workplace safety inspections. To maintain a safe and healthful workplace, OSHA…

Cyber Security

What Do Cyber Insurance Underwriters Look For?

Cyber attacks against businesses continues to grow. Insurers that provide cyber insurance liability and other cyber-related coverage have started intensifying their scrutiny of their clients’ databases and operational security. When a business suffers a cyber attack it could result in fraudulent wire transfers or having its systems rendered frozen. This can be unlocked only by…

growing business

What are the Risks of a Growing Business

As the economy continues expanding, companies need to be careful about properly managing their business risks, according to a report by Advisen Inc., an insurance research and data firm. Increased activity typically means proportionally additional losses. For example, more trucks driving more miles will inevitably result in more accidents. However, there are other kinds of…

Business Owner's Policy

What is a Business Owner’s Policy?

A business owner’s policy, known as a BOP, can provide “package” protection against an array of risks — for a premium that’s significantly lower than the cost of the individual property and liability policies that you would need to cover all of these perils. Imagine the following costly scenarios: One of your staff embezzles $80,000…

umbrella policy Lancaster SC

What Is Commercial Umbrella Insurance?

What Is Commercial Umbrella Insurance in Lancaster SC? Commercial umbrella insurance in Lancaster SC gives you extra coverage to help pay for costs that exceed certain liability policy limits. Without umbrella coverage, you’d have to pay out of pocket for liability claims that cost more than your coverage limits. This can include: Legal costs Medical…

Commercial Liability

What Does Commercial Liability Cover

What Does Commercial Liability Cover in Lancaster SC? Protecting your businesses General liability, is a broad commercial insurance policy that covers general liability exposures of a business. General liability insurance (GL), is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from…

Commercial Auto Insurance

What is Commercial Auto Insurance

What is Commercial Auto Insurance?   Commercial auto insurance in Lancaster SC can cover a combination of vehicle types and drivers, as well as some types of motorized equipment. Commercial auto insurance covers vehicle damage and driver injuries. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments…