How to Check an Insurance Company’s Complaint Record in South CarolinaQUICK ANSWER The South Carolina Department of Insurance publishes an annual Consumer Complaint Summary for each line of business — auto, homeowner’s, workers comp, group and individual health, life, annuity, title, and long-term care. Each report lists every company writing more than $100,000 in premium…
A Patient Advocate Put Her Own Care in HFC’s Hands — Here’s WhyQUICK ANSWERRachel Nash is a Board-Certified Patient Advocate in the Carolinas who builds care teams for families facing complicated health situations. She refers clients to HFC Insurance in Lancaster, SC, takes no compensation for those referrals, and trusts the agency with her own…
Independent vs Captive Insurance Agencies in Indian Land, SCWhy This Choice Matters for Indian Land Residents When you’re shopping for insurance in Indian Land, SC, the options can feel overwhelming. Should you call a big national brand with a familiar jingle? Or should you sit down with a local, independent agency like HFC Insurance that…
The Power of Local: How Main Street Beats Wall Street When you support a local business in Lancaster, SC, you’re doing more than just making a purchase — you’re investing in your own community. You’re not clicking a button on a giant website that funnels your money to a corporate headquarters in another state. You’re…
Sundown Promise & Service Culture: How We Made Insurance Personal Again Remember when people knew your name at the bank? Or when a handshake actually meant something? At HFC Insurance, we’re bringing that feeling back. We call it our Sundown Promise — and it’s the heart of how we made insurance personal again. What is…
Are Your Expensive HVAC & Plumbing Tools Properly Covered? Nothing ruins a Monday morning like finding your van cleaned out—by someone who wasn’t hired to do it. If you’re in the trades, your tools are more than just gear—they’re how you earn a living. But here’s the million-dollar (or at least few-thousand-dollar) question: if your…
Your Van Isn’t Just a Van: Commercial Auto Coverage That Protects More Than a Fender Bender “It’s just my old pickup.” Until it’s involved in a $250,000 lawsuit. Your work truck or van is more than a ride—it’s your office, your toolbox, your billboard on wheels, and your mobile storage unit filled with thousands in…
Installation Gone Wrong: Why Completed Operations Coverage Matters The job was done. The check cleared. And then the phone rang. You installed the new water heater, tested everything, and the customer was thrilled. Weeks pass. Then one day—BOOM—there’s a leak, a flooded floor, and a furious homeowner demanding answers (and possibly compensation). The problem? Your…
Workers’ Comp Gaps for 1099 Techs: Why You Could Be on the Hook “They’re 1099, so I’m not responsible for them… right?” That’s what a lot of contractors think—right before they get hit with a workers’ comp claim they never saw coming. If you’re using subcontractors or 1099 techs to handle overflow work or special…
Cyber Risk in the Trades? Yes—and Here’s Why HVAC & Plumbing Businesses Should Care “We don’t do tech—we fix pipes and units!” True—but even plumbers and HVAC pros can get hacked. And if you think cyber insurance is only for banks and big corporations, it’s time for a digital reality check. Because whether you’re taking…
Do You Sub Out Work? You Might Be Liable for Their Mistakes “But they’re not even my employee!” The court: Doesn’t care. You’ve got jobs stacking up, so you bring in a subcontractor to help out. Smart move, right? More hands, more jobs, more money. But if that sub forgets to tighten a connection, floods…
You Break It, You Buy It: Are Your Techs Covered If They Damage a Customer’s HVAC System? Spoiler: Not always—and definitely not if it’s in their “care, custody, or control.” Let’s say your tech is doing everything right… until they aren’t. They’re replacing a condenser, they bump a line, and suddenly the customer’s $4,000 system…
Why Standard Liability Insurance Isn’t Enough for HVAC and Plumbing Contractors You’ve got insurance—but does it actually cover what you do for a living? If you’re in HVAC or plumbing, you’ve probably got general liability insurance. Great start! It’s like having a hammer on your toolbelt—essential, but not much help when you need a pipe…
The Hidden Risks in HVAC and Plumbing Work That Your Insurance Might Not Cover “Wait—I’m not covered for that?” Yep. And it’s more common than you think. When it comes to insurance, most HVAC and plumbing business owners assume that a standard general liability policy covers everything short of alien abduction. Unfortunately, that’s not the…
10 Must Have Employee Benefits in Charlotte NC As an employer in Charlotte NC, providing your employees with comprehensive benefits is key to attracting and retaining top talent. But with so many options out there, it can be difficult to know which benefits are most important. In this blog, we’ll cover the 10 must have…
Who is the Best Insurance Agency in Rock Hill, SC? Imagine you’re on a quest. Your goal? To find the best insurance product for the best price. But you don’t want to do it alone—you need a guide to help navigate the complicated world of insurance. Insurance can be daunting, and in Rock Hill…
Discover Why HFC Insurance is the Best Insurance Broker in Rock Hill, SC When it comes to finding the best insurance broker in Rock Hill, SC, it can feel like navigating through a maze. With so many options, how do you know who to trust? Let’s delve into why locals consistently choose HFC Insurance.…
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 Charlotte’s skyline, dotted with high-rises and small businesses alike, speaks to the city’s thriving entrepreneurial spirit. As a small business owner here, you’re part of that vibrant pulse, but the truth is, success in Charlotte comes with its challenges. Just like the fast-changing weather in the Carolinas, the business…
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.…
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? 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? 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 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? 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 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…
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…
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,…
10 Must Have Employee Benefits and How HFC Insurance Can Help! As an employer, providing your employees with comprehensive benefits is key to attracting and retaining top talent. But with so many options out there, it can be difficult to know which benefits are most important. In this blog, we’ll cover the top 10 most…
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…
Is It Time to Fire Your Insurance Broker? Are you tired of dealing with a lackluster insurance broker who doesn’t have your best interests in mind? It’s time to consider making a switch to a different insurance broker. In this post, we’ll discuss the importance of having a good insurance broker, common issues you may…
The Ultimate Guide to P&C Captive Insurance Understanding the Benefits and How it Works As a business owner, you know that insurance costs can be a significant expense. With traditional insurance options, you’re at the mercy of fluctuating premiums and unexpected claims. But what if you could manage your risk and control your insurance…
5 Reasons Why You Need Insurance & How We Can Help Insurance is something that many people don’t think about until they need it. However, insurance can be an essential part of financial planning, providing protection and peace of mind when unexpected events occur. Here are five reasons why you need insurance and how…
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 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: 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…
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…
With many companies having decided to allow staff to work remotely permanently or split time between working at home and in the office, employers have to be especially careful about timekeeping and complying with wage and hour laws. That includes requiring staff to show they take meal and rest breaks and are compensated for overtime…
Home Insurance and Power Outage Survival Guide Your home insurance policy is not the only important document you need to keep. There are many things in life we cannot control. The weather and outside forces, are just a few. That’s why we have put together this Home Insurance and Power Outage Survival Guide for…
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…
Great perks and incentives packages can help attract top-notch talent, maintain employee morale and improve overall engagement and satisfaction with a company. The coronavirus pandemic has made perks and benefits even more important, particularly in light of so many workers feeling burned out, stressed from working at home or feeling isolated due to closures and…
One of the keys to managing risks when you first start a business is getting the right insurance to cover your operations, property and potential liabilities. Unfortunately, many business owners fail to review their policies each year as the company grows, expands operations or adds new equipment and property. If this is the case, the…
Now would be a good time to double down on your workplace safety efforts to see if there are any areas that you may be overlooking. While your safety regimen may be top notch, there is always room for improvement and you can consider these options as recommended by EHS Today: Use a 10-second rule…
Whether your business owns a single vehicle or an entire fleet, you will want to have a proper risk management program in place to reduce the chances of accidents and of being held liable for vehicle misuse by your employees. While most businesses buy commercial auto insurance and feel they have their bases covered, you…
As more Americans work from home than ever before, many employers are wondering about their obligations under OSHA as well as how to reduce the chances that workers may be injured while telecommuting. Obviously, the chances of an injury when working from home are small. The most common issue that is likely to arise is…
The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study. The “Cost of Vehicle Crashes to Employers” study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much car crashes…
You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim and what it won’t. It’s important that you go through this with your insurance agent…
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…
Cyber threats have continued growing, in fact they been ramping up, and the trend according to experts is that the risks will continue to grow at an exponential rate. And small to mid-sized firms that think they will fly under the radar of cyber threats are sadly mistaken, as they are usually easier pickings for…
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…
While most companies focus on driver training to help reduce the chances of accidents pushing up their commercial auto insurance rates, many executives have been frustrated to see their rates climb. The top two factors affecting your commercial auto insurance rates are your history of claims and the driving records of your individual drivers. To…
Why Every Business Needs Non-Owned Auto Coverage Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a business asks an employee to run an errand or visit a customer or vendor using that employee’s car. The organization may become legally liable for anything an employee acting…
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…
Nearly 25% of all lost-time workers’ compensation claims are exaggerated, according to the National Insurance Crime Bureau. While only a small percentage of workers’ comp claims are fraudulent, quite a few include employees staying away from work even after they’ve been cleared to return by their doctor and when they feel able to work. The…
It’s always an unwelcome surprise when an employer finds out that a workplace incident aggravated a pre-existing injury that one of your workers sustained at a prior job. Fortunately, there are steps you can take if you don’t want to inherit a claim that someone incurred at another employer, or an injury that they may…
Older workers who are 55 or older are 50% more likely to be killed in vehicle accidents than drivers who are younger than them, a study by the Centers for Disease Control has found. The reason, according to the CDC, is declining cognition, which can lead to errors while driving and avoiding potential collisions, as…
The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study. The “Cost of Vehicle Crashes to Employers study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much car crashes…
While big-ticket and dramatic workers’ comp claims make headlines, the reality is that the more run-of-the-mill injuries are the ones that end up costing employers the most. That is especially true for slips, trips and falls and related injuries, which can often turn out to be the most expensive workers’ compensation claim an employer experiences.…
Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene. Work zones are designed to improve the safety of workers who are enhancing or repairing roads, freeways, bridges, sewage and…
The owners of a California flooring installation company allegedly underreported their payroll amounts to workers’ compensation insurers to the tune of $30 million, costing the insurance company almost $4 million in premiums. The men are each facing three felony charges. These are the potential consequences for those who deliberately falsify their payroll records and reports…
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…
If a natural disaster were to strike, would your company be ready? Has your management team hardened the business to continue operating in case of a disaster? With natural catastrophes growing in number and severity, businesses more than ever need to have in place plans for a quick recovery for the sake of their investors,…
As natural disasters continue growing in number and severity, everybody should be prepared for quick evacuation in case of emergency. Even if you don’t live in an area known for natural disasters, you should always be prepared in case you have to make a sudden evacuation. While there is only so much planning we can…
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…
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…
One of the most common types of business insurance is commercial property insurance coverage, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered. It does not cover your commercial auto. A…
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…
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…
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…
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…