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North and South Carolina

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Do all North Carolina businesses need commercial insurance?

The state of North Carolina continues to be a good place to start a business. While there are plenty of great locations here to become a small business owner, it is important that you properly protect and secure your organization. One of the best ways to do this is by investing in a proper commercial insurance policy.

There are reasons why a business here needs to have commercial insurance 

Comply with Requirements

A reason that any business in this state will need to have a commercial insurance plan is that it can help them comply with their requirements. If you choose to start a business, there are likely going to be insurance obligations that you need to meet. By getting a commercial insurance plan, you can stay in good standing with these agreements, which could be signed with investors, landlords, key customers, and vendors. 

Protect Organization

It is also a good idea to have a commercial insurance policy to protect your business. A proper commercial insurance plan will cover your company in many ways. This can include protecting core assets owned by your company, mitigating your liability risk, and offering additional forms of support. Ultimately, with the right commercial insurance plan, you will be able to protect the solvency of your business if you experience various types of challenges.

When you are going to try and grow your business in North Carolina, it can be a wise decision to get commercial insurance. As you are looking for an insurance plan in the area, calling Carolina Premier Insurance LLC is a good decision. The professionals with Carolina Premier Insurance LLC will give you proper guidance that can help you choose the right plan. This will help ensure your business is appropriately insured and in compliance with any requirements. 

Things home insurance just won’t cover

Home insurance provides a wide variety of protection for your home. Most people have a lot of their equity in their home, so making sure it is safe and well covered is important. Home insurance, like most other types of insurance, has exclusions, things that it just won’t cover. Knowing what these are, allows you to provide alternate protection. At  Carolina Premier Insurance LLC in North Carolina, we take our responsibility to make sure our customers are knowledgeable about their home insurance seriously. 

Things home insurance won’t cover

Sewer backup

A sewer backup can cause a lot of damage to your home, and it is just a devastating thing to have happen. Your traditional home insurance won’t cover it. You can, however, add an endorsement to make sure that you won’t have to pay for the damage out of your own pocket. 

Earth movement

One thing you don’t want to feel in your home is the earth moving under your feet. Many things come under the category of earth movement, including earthquakes, sinkholes, mudslides, and landslides. While these are not things that everyone has to worry about, with the changes in the climate all over the country, you may have to give it a thought. 

Owner neglect

Maintaining your home is part of your responsibility as a homeowner. That means ensuring that it isn’t damaged by things you should have foreseen and repaired. Make sure you protect your home from things you control. 


Floods are one of the most damaging natural disasters. Every year, thousands of homes are damaged by no fault of the owner. Home insurance doesn’t cover ground flooding. You need to get a separate flood insurance policy through the National Flood Insurance Program. 

In North Carolina, contact Carolina Premier Insurance LLC for all your home insurance needs and with any questions you may have. 


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