March 26, 2024
Eastern Carolina Insurance ServicesDo I Need to Cover Independent Contractors for Workers’ Compensation Insurance?
In the modern economy, the line between traditional employment and independent contracting have often become increasingly blurred. With the rise of freelance work and remote opportunities, businesses may frequently engage independent contractors to fulfill specific tasks or projects. However, whether businesses should provide workers’ compensation insurance coverage to independent contractors remains a complicated subject. What […]
January 15, 2024
Eastern Carolina Insurance ServicesWhat Insurance Covers Farm Equipment Issues?
In the dynamic world of agriculture, where technology and machinery play a pivotal role in modern farming practices, protecting valuable assets like farm equipment becomes crucial. Unforeseen events such as accidents, theft or mechanical failures can disrupt the smooth operation of a farm, leading to financial setbacks. Insurance can provide a safety net for farmers. […]
October 24, 2023
Eastern Carolina Insurance ServicesWhat Kind of Insurance Covers Homes and Cars for Floods?
Floods are among the most frequent and damaging natural disasters, affecting thousands of Americans every year. These incidents can be caused by many common occurrences, including heavy rainfall, rapid snowmelt, overflowing bodies of water and infrastructural issues, such as damaged levees and dams. Given how floods can occur with little-to-no warning and the extensive damage […]
August 17, 2023
Eastern Carolina Insurance ServicesDoes Crop Insurance Cover Damage From Hurricanes?
Hurricanes are powerful natural disasters that can wreak havoc on farmlands, causing substantial crop damage and posing financial risks for farmers. Crop insurance is designed to help provide a much-needed financial safety net for agricultural producers. Contact Eastern Carolina Insurance Services today to get a crop insurance quote. Understanding Crop Insurance Crop insurance is a […]
February 19, 2023
Jennifer WideraFactors that Influence the Cost of Business Insurance
Are you concerned about the premium you will have to pay for your business insurance? Insurance is part of your overhead, so it’s understandable that you will want to keep it affordable. Your commercial insurance agent is happy to help you understand the various factors that will impact your premiums. Some of these you can […]
February 19, 2023
Jennifer WideraCommon Homeowners Insurance Mistakes
Whether you are buying your first home or moving to a new home, you have to make sure that your homeowners insurance needs are met. Homeowners insurance isn’t always easy to understand, and it does have its fair share of unique terms. It is sometimes easy to make mistakes when setting up your policy, and […]
February 19, 2023
Jennifer WideraUnderstanding Your BOP’s Interruption Coverage
A business owner’s policy, or BOP, contains several critical elements of business insurance. Among these, you will likely find business interruption insurance—one of the most critical elements of protection any business needs. If you don’t fully understand this coverage, you might not be able to use it to your advantage. Let’s explore the topic a […]
January 5, 2023
AgencyHow Are Death Benefits Paid from a Life Insurance Policy
When you insure yourself under a life insurance policy, you will name a beneficiary who will receive the policy’s payout in the event of your death. This settlement is called a death benefit, and it can ease your survivors’ financial burdens in numerous practical ways. You might decide that leaving life insurance to family beneficiaries […]