Business Insurance Blogs

Landlord insurance and renter's insurance. Portrait of confused tenant and furious landlord

Can landlord insurance protect me if my tenant is uninsured (or underinsured)?

By Luke Wulsin | April 27, 2023

As a landlord, you want to protect your rental property and make sure that your tenants have adequate protection in case of loss or damage. One way to do this is by requiring your tenants to carry renter’s insurance coverage. But what happens if a tenant doesn’t have renter’s insurance? Or they’re underinsured when an incident occurs? Can landlord insurance provide any protection in these types of situations? What is landlord insurance? Landlord insurance is a type of insurance that protects rental property owners from financial losses associated with the property. Landlord insurance policies can vary in terms of the…

Commercial real estate insurance vs homeowners insurance

Commercial Real Estate Insurance vs. Homeowners Insurance

By Luke Wulsin | April 18, 2023

As a property owner, it’s crucial to protect your investment with the right insurance coverage. When it comes to insuring properties, two common types of insurance that are often confused are commercial real estate insurance and homeowners insurance. While they share similarities, they also have distinct differences in terms of coverage and scope. In this blog post, we’ll delve into the details of real estate insurance and homeowners insurance, helping you understand their differences and how they can safeguard your property. On a high level, the important thing to understand is that homeowners insurance is a type of real estate…

Airbnb host insurance. Modern laptop on the desk with Airbnb website on the screen.

Airbnb Host Insurance: What’s Covered?

By Luke Wulsin | April 7, 2023

Every second, six people check into an Airbnb (yes, you read that correctly). The short-term rental industry disruptor has become a $113 billion giant, operating in 190+ countries and covering more than 20% of the market (Search Logistics). With so much growth, it’s natural that the company has evolved to providing Airbnb host insurance to give peace of mind and protection to those renting out their properties. The average Airbnb host earns $13,800 annually. So if you’ve been considering listing your home or rental property on the platform, you’re certainly not alone—more than 4 million other hosts have listings on…

Chase Smith answers your real estate insurance questions

Real Estate Insurance FAQ’s by Chase Smith

By Luke Wulsin | April 3, 2023

Meet Chase! Chase is our real estate insurance specialist. Chase has a wealth of knowledge in the real estate area and works frequently alongside mortgage brokers, commercial investors, property management owners, industrial property owners, and more. Check out the video below! Protect your investment with the right coverage. When you own commercial real estate in Winston-Salem, NC, it’s all about maximizing your investment. But without the proper real estate insurance coverage, an unexpected disaster can leave you taking a major loss. So how do you make sure you’re properly protected—at the proper price? Chase Smith, our local real estate insurance…

Image of hardhat and worker's compensation and worker's compensation insurance

What If You Don’t Provide Worker’s Compensation?

By Luke Wulsin | March 10, 2023

As a business owner, you have a responsibility to ensure that your employees are safe and protected while they’re on the job. One way to do this is by providing worker’s compensation insurance, which provides benefits to employees who suffer work-related injuries or illnesses.  But estimates are that a quarter of businesses don’t provide worker’s comp for their employees. And while it’s ultimately your choice as to what does and doesn’t make the most sense for your business, it’s probably worth knowing what you might be risking by not having worker’s compensation. Not providing worker’s compensation can have significant legal,…

What type of commercial insurance do I need? Professional liability vs business owner’s policy (BOP)

By Luke Wulsin | January 26, 2023

When it comes to commercial insurance, there are countless types of coverage available to protect businesses of all sizes. Two of the major types are professional liability insurance and a business owner’s policy (BOP).  If you don’t understand the difference between the two and which you actually need, you can end up either under-insured or overpaying for your business insurance. Professional liability insurance Professional liability insurance, also known as errors and omissions insurance, is an essential coverage for professionals who provide advice or services to others. This type of insurance is designed to protect professionals, such as doctors, lawyers, accountants,…

Hotel manager slipping on wet floor.

Hotel Liability Insurance

By John Purroy Jackson | April 4, 2022

Understanding Hotel Liability Most products you buy do only one thing. Your car gets you places. Your shoes cover your feet. Your phone – okay, bad example. Liability insurance, like your phone, does a lot. It protects you from a whole variety of events that can take place at your hotel. It can even protect you from something that happens outside of your hotel that threatens your business. But how? At heart, Hotel Liability insurance protects you from an accident or event that someone blames you for legally. This could be an accident like falling down the stairs, or a…

Chickens at farm

Chicken Farm Insurance

By John Purroy Jackson | March 21, 2022

How to Insure Your Chicken Farm If you’re a chicken farmer, you’ve got a lot on your plate. From managing your houses to getting the best equipment to handling your stock, you have to be at the top of your game to keep your operation running. So deciding what you need for your insurance policy can be the last thing on your list. Luckily, you’ve got experts in your corner ready to help. As insurance agents who specialize in farms, we know the ins and outs of what is important to you. Not only that, but one of our very…

A hotel sign that reads, "Hotel."

The Basics of Hotel Insurance

By John Purroy Jackson | February 24, 2022

Hotel insurance can be broken down into a few easy to understand categories.

Knowing the basics can get you a long way towards feeling a lot more confident as you grow your business.

6 Insurance Questions Young Adults Need to Ask Themselves ASAP

By Amanda Henderson | June 3, 2021

When you’re just getting your start in life, it can be hard to think about the future. If you are concerned about financial stability, whether for yourself or a family, then thinking about the future is a must.  Because there’s no way of telling what the future holds and what costs could come up, having the right insurance policies is always a safe bet. It’s like having an umbrella for a rainy day, and these questions can help you decide which umbrellas to buy.  Could You Cover Auto Repairs After an Accident?  If you drive a car in America, auto…

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