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How to Enforce Your Boat Safety Plan in Oak Ridge

A boat safety plan in Oak Ridge, NC is only good if people know how to use it. If you have a watercraft, Oak Ridge Insurance Services has a few tips so that you can feel a little safer every time you take it off the shore. 

Think About Who Will Need It 

You have to consider who needs to know about your boat safety plan before deciding how to enforce it. If you bring friends out, they’re going to have very different needs than your 6-year old child. When it comes to your family, the best way to enforce an emergency drill is to have them go over it as many times as possible. People should know where life preservers are, how to call for help, and what to do in the case of an injury. 

Map It Out 

You can’t possibly account for every scenario, but you can think of the most common. For example, if another vessel hits you, what would be the most likely steps you’d need to take? How can you make it back to safety if you’re hit with an unexpected rainstorm? The more questions you answer beforehand, the easier it should be to handle unexpected twists and turns in Oak Ridge, NC.

Think About Your Boat Insurance Carrier 

Some people are good in a crisis, and they expect that know-how to carry them through. But the water can be a much more dangerous place than people give it credit for. If you’re looking for the right partner who can help you prepare before the worst occurs, call Oak Ridge Insurance Services today. We can make it easier to develop the right plan and get better coverage at the same time. 

Who should have umbrella insurance

Umbrella insurance is one of the most misunderstood types of insurance. Many people have no idea what it is and what it does. In simple terms, it is a policy that extends the liability coverage that you already have on another policy. The visual of an umbrella is actually perfect, umbrellas protect you from rain and storms, and umbrella insurance protects your assets from the storms of life. Having a trusted independent insurance agent allows you to get a discussion started with them about how you could benefit from this important and affordable coverage. At Oak Ridge Insurance Services in Oak Ridge, NC, we are that agent. 

You don’t have to be a homeowner to benefit from umbrella insurance. Liability coverage is something you have on other policies, such as auto and renters insurance. Liability coverage protects you from extraordinary events that can be life-changing. If you are involved in an incident or accident that results in legal action, it can put your assets at risk. As an example, the average jury award in a car accident case is $300,000. If your liability coverage is $100,000, you are going to be $200,000 short. 

If you have an umbrella insurance policy, it will be from one to ten million dollars in additional liability coverage. The $200,000 will be picked up by your policy and the legal bills that came with that court case. Without it, you will have to tap your savings, or if you don’t have savings, your future wages can be attached. Lots of things other than a car accident can result in a judgment against you. An umbrella insurance policy has great value and benefits to anyone who has an insurance policy with liability. 

To discuss this coverage’s benefits, call or visit Oak Ridge Insurance Services in Oak Ridge, NC. You will be happily surprised at how affordable and easy to understand umbrella insurance is. 

How much life insurance is enough

When it comes to life insurance, most people are not very knowledgeable. They have to count on someone to tell them how much life insurance is enough. What may be enough for one person will not be the right amount for another person. Experts have some general criteria to determine the amount they suggest depending on your earnings, but your life and how to maintain it is so much more than just some figures. Having an insurance agent who knows you well enough to make you feel comfortable helps make this a less nerve-wracking process. Oak Ridge Insurance Services in Oak Ridge, NC is here to guide you through the process and make sure you are comfortable both with the coverage and the price of your protection. 

How much life insurance is enough depends a lot on where you are in your life. Someone with small children will need much more coverage than someone whose children have all flown the nest. All of your liabilities also need to be taken into consideration. Do you have a mortgage? Any other debt that would be a hardship if left unpaid by your passing? No matter where you are in the circle of life, you need to have enough life insurance to pay for your final expenses. 

Optimally, making sure that those you leave behind are provided for is the goal of life insurance. What that means may differ from person to person. It can mean caring for aging parents, providing for a spouse and children, or leaving a legacy for your grandchildren. Only you will know for sure how much life insurance will be required beyond your savings and assets to make this happen. 

When you are ready to discuss your life insurance needs, we are prepared to sit down with you and answer any questions. Give us a call at Oak Ridge Insurance Services in Oak Ridge, NC and let us help you make sure you have enough life insurance. 

Who needs auto insurance in North Carolina?

For those that live in the Greensboro or Oak Ridge, NC area, there is a wide variety of forms of insurance that are needed. One type of insurance that many people here need to get is auto insurance, which will provide you with protection for your vehicle and driving liability risk. There are several situations when someone will need to get this form of insurance. 

Anyone with an Auto Loan Needs Coverage

Buying a car is a big purchase that often requires the buyer to take out a loan to finance the purchase. If this is the case for you, it is essential to understand your insurance obligations. Any car owner with a loan will be required to carry auto insurance that has a fully comprehensive policy. Most of the time, you will also be required to have a minimum deductible as well as it helps to ensure you are able to repair or replace the vehicle when needed. 

Those Driving on Public Roads Need Coverage

Driving a car on a public road in the state of North Carolina also comes with insurance obligations. All drivers need to make sure that they have a full auto liability policy, which ensures that they are covered for damages they cause in an accident. Those that do not have this coverage could face a variety of penalties, which could include the loss of licensure. 

Choosing an auto insurance policy is always a big decision. When you are looking for a new policy in the Greensboro or Oak Ridge, NC area, you should call Oak Ridge Insurance Services. The team at Oak Ridge Insurance Services can help you to figure out what type of insurance you need to have. They can then help you build a policy that provides ample coverage and ensures full compliance. 

Three Things to Consider When Shopping for Commercial Insurance

Being a business owner is rewarding. However, it is a challenging role too. In order to make sure that the business operates well and everything goes as smoothly as possible, there are many things to consider. One of them is to protect your business from unforeseen circumstances that can happen anytime. One of the best ways to do it is to purchase commercial insurance. Shopping for business insurance might be tricky and time-consuming. In order to help you, we at Oak Ridge Insurance Services in Oak Ridge, NC, suggest you consider three things before getting a particular policy: 

Identify The Potential Risks In Your Industry

In order to get adequate coverage for your company, you need to have a clear understanding of what kinds of risks your business might face. Every business is different from its specifics and risks. For example, if you own a transportation company, you need to have commercial auto insurance for the vehicles. If your business is related to sensitive information, your business insurance coverage should focus on protecting you from claims associated with a Data Breach. 

The Terms and Conditions of The Policy

Many people make the same common mistakes – ignore the terms and conditions before signing the contract with an insurance company. It is crucial to know and understand what is included in your policy and what is not. If something is unclear to you, you can always contact an insurance agent and ask them to clarify everything and answer your questions. 

The Size of Your Business

A commercial insurance policy should match the size of your business. If your company is quite small with no more than 50-100 employees, then a standard commercial insurance policy will be more than enough for you. However, if it is much bigger, you might need additional coverage, which will provide expanded protection to your business. 

If you are a business owner from Oak Ridge, NC, and you are searching for commercial insurance for your company, Oak Ridge Insurance Services is ready to assist you in finding the best option for your business. Do not hesitate to contact us to find out how you can protect your business and yourself. 

How to keep your home safe during summer

Our homes are the single most essential assets in our lives, and protecting them is our topmost priority. The summer season is here, and it can particularly get hot in Oak Ridge, NC, which means most of us have to leave home and engage in various outdoor activities. So, how do you ensure that your home is safe when you are out there? At Oak Ridge Insurance Services, we can help you keep your home safe by providing you with a home insurance policy that is customized based on your needs and budget.

Apart from buying insurance, here are a few ways you can keep your home safe.

Make sure your doors and windows are burglar-proof

According to research, 30 percent of burglars gain entry into homes through an unlocked door or window. Before you leave, check all your doors and windows for faults and make any necessary repairs if needed. It is also essential to invest in heavy-duty padlocks or locks to prevent easy access by thieves.

Invest in a home security system

You need peace while on vacation, and only a home security system can provide that. Most smart home security systems can be connected to your device, whether it’s a phone or laptop. This way, you can check your home from wherever you are.

Install smart lights to trick burglars

If you are going to be away for some time, you will need to be a step ahead of burglars. Turning all your home’s lights off can be a terrible idea because you will be informing everyone that you are away. The best way to handle this would be to purchase smart lights and bulbs, which you can turn on and off from wherever you are.

Lastly, let your neighbor know that you will be away and avoid posting about your intentions on social media. Most importantly, make sure your home insurance policy is up to date, and all the necessary coverages are intact. For more information about home protection, please speak to any Oak Ridge Insurance Services expert or visit us in our Oak Ridge, NC offices.

Brent Schroyer

Brent Schroyer

Insurance Advisor
Chastity Spofford

Chastity Spofford

Insurance Specialist

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