Business owners should know the challenges they might face when they insure their company in Hope Hills, NC. At Cross Creek Insurance, we can help you overcome these challenges and protect your company and livelihood with quality insurance coverage.

The following are three challenges you may face when you buy commercial insurance. 

Understanding your legal responsibilities

In certain situations, businesses are required to have commercial insurance. For example, you may need to have workers’ compensation insurance if you are an employer depending on the state in which your business is located. 

You need to research your legal responsibilities and ensure you’re meeting them with your commercial insurance coverage. Otherwise, you could face fines and other penalties that may compromise your company’s profitability.  

Deciding how much commercial insurance your business needs

Many business owners buying commercial insurance for the first time aren’t sure how much coverage they need. The amount of coverage you need depends on various factors, including the size of your company, the industry in which you operate, and the structure of your business (sole proprietorship, LLC, etc.)

If you’re uncertain about how much coverage you need, you should discuss this issue with an insurance company representative or a financial professional such as your accountant. 

Knowing when it’s time to buy commercial insurance

Generally, you should purchase insurance immediately after starting a company. Even if your company is still just a tiny startup, it’s best to have insurance coverage. 

At Cross Creek Insurance, we’re happy to assist companies that need insurance in Hope Hills, NC. Contact us online or by phone to learn about your insurance options. 

Many think of life insurance as a way to financially protect surviving loved ones. And life insurance is that, but it can also be much more. When you’re ready to discuss your life insurance needs, please contact Cross Creek Insurance, serving Hope Hills, NC. We can help assess your situation so you get the life insurance you and your loved ones need. In the meantime, here are some essential things to consider when considering life insurance.

Life Insurance Can be an Investment

Whole life insurance policies have grown in value over the years. They can serve as a significant financial investment for later on in life. For instance, if you ever need a short-term loan, you could borrow a certain amount on your whole life insurance policy for a preferred rate. Then, you pay it back, which goes back to your insurance policy.

Life Insurance Can Help Pay For a College Education

When it comes time to fill out your child’s student loan paperwork, you don’t legally have to declare the value of a whole life insurance policy. Yet, you can cash in that policy and use it to help fund your child’s college experience.

Your Loved One Needs Time

When calculating your needs for a term life policy, many people think only about their loved ones paying for the mortgage and bills for the time being. But bear in mind that losing you will play heavily on their hearts. They’ll need lots of time off of work to grieve, emotionally heal and try to put the pieces back together. In short, whatever figure you came up with, you should increase it so your loved one isn’t forced to return to work too soon.

Contact Cross Creek Insurance, serving Hope Hills, NC for all your life insurance needs, including whole life, term life, and more!

Extending the life of your tires when summer hits requires proactive precautions and maintenance. The specialists at Cross Creek Insurance in Hope Hills, NC provide these helpful suggestions to help maximize your tire’s lifespan during the summer months –

Check/Maintain Proper Tire Pressure

Tire pressure should be checked and adjusted routinely all year. However, when the heat arrives, the tire’s air expands and overinflates the tire. It is best to refer to the owner’s manual (or the label inside the driver’s door) for the best or recommended tire pressure.

Regularly Rotate Tires/Maintain Wheel Alignment/Balance

Rotate the car’s tires following the manufacturer’s recommendations or every 5K to 8K miles. Routinely rotating the tires ensures they wear evenly–extending their useful life.

Don’t Overload the Vehicle

Be aware of your vehicle’s weight limit and avoid excessive weight, as this adds stress to the tires, increases the heat, and accelerates the tire’s wear. Hot weather further aggravates this situation.

Check Tire’s Tread

For the tire to maintain control and traction, the tread depth must be enough to match the desired performance. The minimum legal tread depth varies by jurisdiction.

Avoid Excessive/Aggressive Speed & Driving

Fast and aggressive driving generates additional friction and heat, increasing the wear on the tires.

Park in the Shade

When available, park the car in the shade or use a car cover, as extended sunlight exposure can degrade the compounds used to manufacture tires.  

Regularly Inspect for Damage

Check the tires for bulges, cuts, or other damage. Driving on damaged tires can be needlessly risky.

For additional information about automobile insurance and policies available for those who live or work in the greater Hope Hills, NC area, contact Cross Creek Insurance at 910-423-2900.

It’s not uncommon for Hope Hills, NC residents to think of life insurance as only beneficial to those in specific demographics. Or, most often, something that can be pushed to the back burner and dealt with later. However, the truth is that many families and individuals from various backgrounds and financial situations can significantly benefit from having a life insurance policy in place but don’t realize it. Today, we’ll examine who needs life insurance and when you should get it.

Who Can Benefit From Life Insurance

The decision and reasoning behind purchasing a life insurance policy can be deeply personal. But at the end of the day, a life insurance policy can make all the difference to those you leave behind, relieving the stress and anxiety that often follows the passing of a significant provider. With a life insurance policy, anyone with a mortgage, rent, car payment, debt, or other expenses can rest easy knowing that their loved ones won’t have to worry about paying all those bills on their own. Even if you don’t currently contribute a regular income to your household, you likely do things that can be difficult to keep up with upon your passing without some financial support.

Find the Right Life Insurance Policy For You Today

Like with other insurance policies, there’s no one-size-fits-all approach to life insurance. With a range of policy types and values from a vast pool of providers, it’s essential to work with an experienced Hope Hills, NC agent to ensure you buy the right plan. At Cross Creek Insurance, our team will go the extra mile to help you find the coverage that’s right for you. Contact us today to learn more!

If you’re a Hope Hills, NC business owner, the right commercial insurance policy is an absolute must to protect yourself from potential liability. But if your company sells products, your policy really isn’t comprehensive enough until it includes product liability coverage.

We at Cross Creek Insurance will be happy to review your policy with you and ensure it’s thorough enough. But in the meantime, here’s a brief look at some of what business owners should know.

Why Do You Need Product-Specific Protection?

Naturally, you put a lot of care and effort into ensuring your products are right before releasing them to the general public. But mistakes, accidents, and chance mishaps can happen to anyone, so planning is essential.

Commercial insurance that includes product liability coverage protects you if one of your items is ever connected to an accident or other unfortunate incident. It’s essential if your company sells or manufactures products like:

• Clothing
• Food
• Pharmaceuticals
• Motor vehicles
• Electronic, industrial, or mechanical equipment

What Types of Claims Should Business Owners Watch Out For?

A product-related claim could materialize from anywhere and for a multitude of reasons. Savvy business owners need to be aware of them when considering their commercial insurance options. Examples include the following.

• Manufacturing errors are usually isolated incidents but can cause injuries, side effects, and more, depending on the product.
• Design flaws can cause similar problems. However, the issues involved are usually further reaching and may call for solutions like recalls.
• Deficient operating instructions, disclaimers, and safety warnings can also open a business up to liability, so be as thorough as possible when packaging your products.

Ultimately, there’s no such thing as being too protected if you manufacture and sell products as part of your Hope Hills, NC livelihood. Cross Creek Insurance’s insurance experts can help you understand your options. Call us today and let us know how we can assist you!

When providing financial protection for your employees, a worker’s compensation policy from Cross Creek Insurance is an absolute must. Not only does it protect you as a Hope Hills, NC area employer from costly legal fees and settlements in the event of an employee injury, but it also ensures that you’re providing your workers with the coverage they need should something happen. 

Workers’ compensation policies offer invaluable peace of mind for both employers and employees. For employers, these policies provide a guaranteed way to take care of their workers if they get injured on the job. They also protect them from any potential lawsuits arising from negligence claims or unsafe working conditions. And for employees, these policies ensure that they will be cared for financially should something happen while on the job. 

In addition to all these benefits, workers’ compensation policies can help you save money. By providing comprehensive coverage, you won’t have to worry about paying out hefty settlements in case of a workplace injury or accident; instead, the policy will cover any medical costs associated with treatment. Moreover, since most states require employers to have a worker’s compensation policy before hiring new employees, having one can give you a competitive advantage when recruiting talent. 

A worker’s compensation policy is essential for keeping your business safe and secure. It provides invaluable peace of mind for both employers and employees alike and offers vital financial protection in case anything were to go wrong. For more information, give us at Cross Creek Insurance a call today. We are proud to serve the Hope Hills, NC area.

Who should get life insurance? The simple answer is everyone should. Life insurance from Cross Creek Insurance is a significant investment that can provide financial security and stability for your family during your death. It can be used to cover unexpected expenses, pay off debt, or provide a source of income for your loved ones after you’re gone. While life insurance may seem unnecessary, it is a wise choice, especially if you have dependents in the Hope Hills, NC area who rely on your income to live. 

Life insurance policies vary greatly, and it can be challenging to determine which one fits your needs best. However, some basic guidelines can help you make the right decision. First and foremost, consider how much coverage you need and select a policy that meets those needs. You should also research to find out what kinds of riders or additional benefits certain policies provide so that you have all the protection you need in the event of your death or disability. 

Finally, remember to shop around for the best prices, compare quotes from different companies, and factor in any discounts or special offers available when selecting a policy. Ultimately, life insurance is an important investment that provides peace of mind and financial protection for you and your loved ones. Take time to research different options before committing to one so that you can find the policy that fits both your budget and lifestyle perfectly.

For more information, or to explore a life insurance policy that works for you and your family, give us a call at Cross Creek Insurance today. We are proud to serve the Hope Hills, NC area.

One significant risk for a business owner is a liability. To protect yourself and your business, you need reliable commercial insurance. The insurance experts at Cross Creek Insurance, proudly serving the residents of Hope Hills, NC, can count on us to help them get the right coverage to offer the proper protection. 

Commercial Insurance Protection 

If you own a business, you need insurance. Commercial insurance protects the covered business and owner from claims related to injury, damage to property, or losses associated with the fault of the owner or company and its employees. 

Selecting the right level of coverage is very important. To understand a business’s current and future needs, our agents take many points into consideration and work closely with the client to learn their needs and provide them with suggestions for coverage that meets those needs. 

When clients come to our office, we provide insight into the commercial insurance coverage and each policy’s terms and conditions. Then we offer options to them based on the client’s information. Once a policy is chosen, we submit the necessary documentation and communicate with the insurance underwriter on behalf of the client to complete the purchase. We can also work with clients to complete policy changes or submit documents related to claims. 

Reach Out Today

Anyone with a business in the Hope Hills, NC, area can count on Cross Creek Insurance to provide them with the insurance and customer service they need to get ideal protection from liability. Our agents are ready to provide insight and support to ensure you have peace of mind. Stop in or call today to learn more. 

Universal life insurance is a type of product that falls under the category of permanent life insurance. Permanent life insurance is a category of coverage that lasts for the duration of the subscriber’s life, and this is typically reflected in the premiums paid. It provides a secure option, as it will not expire. 

You will choose a death benefit amount, which will also affect how much you pay monthly. Over time, you can accumulate a cash savings balance, and you may borrow against this if you encounter hardship. Money will typically be lent to you at an interest rate lower than most banks can offer. 

However, this must be paid back and subtracted from the death benefit if you pass away while a balance is outstanding. If you are young, this cash savings component can grow over time, giving you options should you face a difficult life circumstance.

It is not legally required in the Hope Hills, NC area to purchase life insurance, but it is voluntary. Your Cross Creek Insurance representative can discuss this product in greater detail. 

Universal life insurance allows you to adjust your premium if you need to increase or decrease it. You can also defer making payments if you have enough cash savings. The death benefit amount is also flexible and can be adjusted, and your account must be in good standing when you die to be valid. 

We Can Help You with Life Insurance

We at Cross Creek Insurance can help you obtain the life insurance package you need to suit your needs. Contact us for more information; we serve those in the Hope Hills, NC area. 

Protect your business with commercial insurance if you are a business owner in the Hope Hills, NC area. The professionals at Cross Creek Insurance can get you started today with the protection your business needs.

First, ensure you are working with an agent with vast experience in commercial insurance. The agent can discuss typical losses in your industry and provide coverage options for your business. Open communication is critical.

Commercial insurance is vital for businesses. It protects from commonly experienced losses, including theft, property damage, employee injury, and liability. Without the proper coverage, your business would recover more easily than without it. The risk of going out of business is excellent without this coverage.

There are three types of commercial insurance to consider.

Liability coverage protects you from injuries on business property to clients and customers. Property insurance provides protection for the property from events such as flood damage or fire. Workers’ compensation protects the business if an employee is injured or becomes ill because of their job. It also stops employees from filing a lawsuit against the company for negligence. Within each of these categories, specialized forms of coverage can protect you from business-specific liability.

Commercial insurance is probably the most significant investment you can make in your business. The severe financial loss you could suffer in the event of a lawsuit can make the difference between remaining in business and going under. Don’t risk everything you have worked hard to build.

The insurance pros at Cross Creek insurance can discuss all the options available to you and provide a no-obligation quote to get you started. Protect your livelihood with commercial insurance. Contact our office today. You will be glad you did.