Google+ Marshall Insurance Services ~ NC Insurance Blog: 2010

October 16, 2010

Insurance Coverage for NC Apartment Buildings, Condo Associations and Building Owners

As a building owner, you have special insurance coverage needs. Protect your building and business personal property with an Ultrapack PlusSM Policy.*

Property and Liability Coverages

ERIE offers coverage for:
  • Your buildings
  • Business personal property – both yours and others’
  • Income protection
  • Crime
  • Liability needs

Coverage Details

Learn more about the coverage details:
Erie Insurance also offers many optional insurance coverage's to allow you to customize your insurance to fit your unique needs.  Call us today for a quote at 704-684-0082.

September 22, 2010

Fight NC Insurance Fraud

Report Insurance Fraud

If you have any questions about insurance fraud or would like to report suspected insurance fraud, please contact the North Carolina Department of Insurance's Criminal Investigations Division. The Division is headquartered in Raleigh, and we have investigators based throughout the state. We depend on citizens and industry representatives to report illegal and suspicious insurance-related activities. Tips can be reported anonymously.

You may report insurance fraud using any of the methods below

Other Information

September 18, 2010

Auto Insurance from Erie Insurance

Since 1925, people have been choosing ERIE to insure their cars and other vehicles because of our fair and competitive prices, but ERIE’s much more. We also provide:
  • Highest levels of customer service for auto Policyholders
  • Over 30 extra car insurance policy features
  • Flexibility to customize your car insurance policy
  • Stability that ranks at the top of the auto insurance industry

Auto Insurance Discounts

At Erie Insurance, we live by the same purpose our Founder, H.O. Hirt, did:
To provide our Policyholders with as near perfect protection, as near perfect service as is humanly possible, and to do so at the lowest possible cost.
We’re committed to keeping auto insurance rates as low as possible through disciplined underwriting. Erie Insurance further reduces your auto insurance premium by offering numerous discounts:
  • Safe Driver
  • Multi-Car
  • Age 55 or Over
  • Passive Restraints
  • Anti-Theft Devices
  • Anti-Lock Brakes
  • Multi-Policy
  • Longevity
  • Payment Plan
  • Life Multi-Policy
  • College Student
  • Driver Training
  • Reduced Usage
Watch a video to learn more about ways to save with ERIE (video transcript).

Auto Insurance Agents

ERIE’s independent insurance Agents (like Marshall Insurance) will help you make important decisions about your North Carolina auto, home, life and business insurance. They’re experienced, hard-working insurance professionals — as interested in you as they are in providing you with car insurance coverage.

Erie Insurance realizes each auto insurance policy sold is a promise of service. We use our own trained auto claims adjusters, ensuring that your car insurance claim will be settled quickly and fairly by ERIE personnel who know our ERIE auto insurance policy and understand how important service is to us — and to you.

Auto Insurance Coverage

ERIE’s auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.

Get a 12-month auto insurance quote online or contact Marshall Insurance for more information about ERIE’s car insurance options.

August 18, 2010

Insurance for Convenience Stores

Convenience stores in NC benefit from many of the specialized insurance services developed by Marshall Insurance' carriers for the retail grocery industry, including our knowledge of how to make your store safer.

Our customized programs feature coverage for: canopies, gas pumps and other outdoor property, high-crime periods, and liquor liability.

Coverage Highlights Basis of coverage Occurrence Coverage available Available coverage includes:

• Auto liability and physical damage
• Workers’ comp
• Umbrella
• Building and business personal property
• Gasoline pumps and canopy
• Business income actual loss sustained Coverage notes Key differentiators:
• Responsible claims handling — over 61% of liability claims closed at no payment
• Tailored accident prevention and safety programs
• Extensive industry experience

Specialized property coverage extension form Optional coverage available Includes:

•Liquor liability
•Market advantage enhanced coverage (includes 27 enhanced coverages, such as business income-civil authority — no waiting period, BI extended period of indemnity — 90 days)
•Building ordinance and law
•Money and securities
•Employee dishonesty
•Signs
•Computer coverage
•Food spoilage
•Utility services
•Identity recovery

Coverage extensions to qualified insured
• Businessowners’ policy (BOP)
• Package policy

Contact Us Today!
Phone: 704-684-0082

July 1, 2010

What is Final Expense Insurance?


With a final expense insurance policy from one of our life insurance carriers, you can have peace of mind knowing your loved ones will have the money they need to help cover your burial and other final expenses. Don't leave them with bills to pay - leave them with cash benefits that cover your final expenses.

Benefits: We have products to help cover final expenses which take into account your age and health. As long as premiums are paid on time, policies guarantee cash benefits between $2,000 and $50,000. Plus, there's no medical exam.

FAQs

Q: When is the best time to buy final expense insurance?
A: The sooner the better. Accidents and illness strike suddenly and without warning. Protect your loved ones from paying for your final expenses - we encourage you to get coverage today.

Q: Can I get final expense insurance if I already have life insurance?
A: Absolutely. This can be in addition to any other coverage you may already have.

Q: Will I need to take a medical exam before I can begin my coverage?
A: No, you will not.

Q: How much money will I need to cover a funeral?
A: The average cost of a funeral in 2009 was approximately $8,000*, but the cost is even higher in some areas of the country. This $8,000 may not include the cost for a burial plot or marker, And remember - the Social Security death benefit is only $255**

Q: Will my final expense insurance policy be cancelled if my health declines?
A: As long as you pay your premiums on time, your coverage will stay in force, even if there are drastic changes to your health.

Q: I like what I'm hearing about final expense insurance. What should I do next?
A: For immediate service, simply call us at 704-684-0082. You can also complete a "Quote Request" on our website.

June 2, 2010

Garages & Auto Repair Shops

People come to auto service centers to have their vehicles repaired, not damaged. Unfortunately, accidents don’t just happen on the open road. Sometimes they happen in parking lots and repair bays.

At Marshall Insurance, we are proud to offer an exclusive auto service center insurance policy that can be tailored to meet the specific needs and risks of your shop. 

Our Garage/Auto Policy provides coverage for the legal liability of automobile dealers, garages, repair shops and service stations.

Coverage includes bodily injury and property damage arising out of garage related operations. It can also provide coverage for damage to customers’ autos and property, as well as damage to garage-owned autos. This coverage can be written in conjunction with business property coverages in order to provide a complete protection package for your business.

Contact us today to get a quote or to learn more about our comprehensive and affordable auto service station policy!  

April 10, 2010

Smoke Detector Safety

Most home fire deaths happen in the middle of the night between 10 p.m. and 6 a.m. A smoke detector can save your life by waking you and giving you time to escape. When purchasing a smoke alarm, look for one that is accepted by an independent testing facility such as Underwriters Laboratories or Factory Mutual.

Location, Testing and Maintenance!

The best place for your smoke alarms:
•On every level of your home, including the basement and workshop.
•Outside every bedroom.
•On the ceiling or on the wall, 6 to 12 inches below the ceiling. Keep detectors away from air vents.

Check the alarm batteries once a month by pressing the test button with your finger. The batteries should be replaced once a year.

You should clean the alarm by following the manufacturer’s instructions. The grillwork on the detector should be vacuumed periodically to keep it dust-free.

Preventing Nuisance Alarms To prevent false alarms, move the detector away from a kitchen or bathroom. You may also want to consider purchasing a smoke alarm, like a photoelectric, that’s less sensitive to common causes of false alarms. Some smoke alarms also are equipped with a silencing feature, so that nuisance alarms can be stopped quickly and easily

March 8, 2010

New Laws Regarding North Carolina Auto Insurance

Several new laws went into effect across North Carolina regarding your personal auto, insurance and other transportation issues;

  1. License plate frames can no longer cover the state name or registration sticker. Initially drivers will get warnings through Nov. of 2010 then you may be subject to a fine.
  2. Insured car owners now have a three day grace period after their registration expires to register the vehicle and obtain the required safety inspection.
  3. Its now illegal to send text messages, e-mails and use the Internet while driving. This law applies even when the car is stopped at a traffic light. The penalty is a $100 fine.
  4. Reptiles must be in secured containers while in transport. If the animal escapes and attacks someone, the owner can be charged with a misdemeanor.
  5. Instead of the old safety inspection sticker in the window to remind you its time for another inspection the inspection is based on your registration renewal date. When you complete the inspection at a certified inspection station the information is loaded into a statewide database. Your registration cannot be renewed unless the inspection has been completed.

February 3, 2010

Renters Insurance

Protect your apartment and your belongings from burglary, fire or other damage with a Renters Policy. This coverage is for:
  • Personal property, wherever it may be.
  • Loss of use, which covers the additional living expenses you incur due to temporary relocation.
  • Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
  • Medical payments to others who are injured in an accident arising from your premises or personal activities.

Extra Features

The Renters Policy protects you with many features, including:
  • Coverage for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
  • Payment up to the personal property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
  • Coverage for theft of jewelry, watches and furs.
  • Reimbursement for fire extinguisher recharge after a fire loss.
  • Payment for replacement of automatic garage door transmitters which have been stolen. Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
  • Coverage for theft of guns and related equipment.

Optional Coverages:

Some optional coverages you may choose to add to your Renters Policy include:
  • Replacement cost settlement on personal property
  • Sewer or drain backup
  • Incidental business occupancy
  • Earthquake coverage
  • Scheduled personal property
  • Expanded endorsement
  • Identity recovery coverage
Need a quote? To get started, give us a call at 704-684-0082 or fill out our quote form.

January 8, 2010

Auto Accident Checklist

If you are involved in an accident:

  • Remain calm and polite.
  • Turn on your hazard lights.
  • If safe to do so, move your vehicle away from traffic.
  • Do not discuss who is at fault or your insurance limits.
  • Do not leave the scene of the accident.

* Contact emergency personnel

  • If anyone is injured, call 911 for medical assistance.
  • Do not move an injured person.
  • Give police your version of what happened.
  • Obtain the police officer's name, department and incident number.

* Exchange information

  • Vehicle owner's name, address, telephone and/or email address
  • Insurance information (company and policy number)
  • Other vehicle information (year, make, model and registration plate)
  • Driver's name, address, telephone and/or email address (if different from the vehicle owner's information)
  • Obtain contact information from passengers and/or witnesses.
  • Note the accident location.

* Take photos/video if safe to do so

  • Accident scene
  • Traffic controls
  • Street names
  • Road conditions
  • Vehicles and other property damage

*  Contact your insurance agent or insurance company!