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.

What would happen to your spouse and kids if something happened to you? Life insurance protection removes any doubt about their future financial security. Cross Creek Insurance provides this protection in and around the Hope Hills, NC area.

Life insurance provides financial security, pays off debt, helps pay for living expenses, and pays any medical bills or final expenses. A life insurance policy provides money when it is most needed. Your beneficiaries receive the policy payout immediately and are not subject to federal income tax. If your policy is for $500,000, that is the amount your beneficiary will receive.

First, determine how much insurance you need to meet goals over time and what you can afford to pay for. Then learn what types of insurance will meet your needs. After considering initial premium payments, along with any increases in premiums over time, additional death benefits, and any living benefits that could be utilized before death, choose the type of policy or combination of policies that will best meet your needs.

If you are a young individual wondering why this type of coverage would help you, consider this. Accidents and illnesses can occur anytime to anyone, regardless of age. If you have a young family, don’t leave them wondering what their future would look like without you.

The legacy of a life insurance policy can provide you with lasting peace of mind knowing your family will be taken care of. Working with Cross Creek Insurance professionals can help simplify the process. They can explain the difference between the types of policies, calculate the amount of coverage you need, and identify any potential options that will suit your needs. Contact our team today. You will be glad you did.

If you’re reading the news, you’re seeing stories of catastrophic flooding across the U.S. From Kentucky to Florida, significant flooding events have caused untold damage to homes and businesses, and it’s clear that protection against these risks is essential. Cross Creek Insurance wants you to be protected when it comes to flood risk near Hope Hills, NC. Here are some tips you need to know.

North Carolina Insurance Coverage

According to the North Carolina Department of Insurance, flood and earthquake coverage is not part of most typical insurance policies. While earthquake policies can be private add-ons, flood insurance is legally required to go through the National Flood Insurance Program (NFIP). The NFIP sets flood insurance rates and designates which locations are eligible for flood insurance by county and zip code.

Additional Business Insurance

While you cannot get direct flood insurance outside of the NFIP, many business insurance policies may support you if you fear flood risk in a non-traditional flood area. Business insurance policies can often be expanded to insure against loss of product and revenue. Property insurance can help support risks to your building or store inventory. Loss of Use style policies can help support your business if you are forced to close for any reason. Liability policies can help protect against risk or injury to a person and your damaged property.

Many businesses bundle policies with a qualified insurance agent, often called a comprehensive policy. These bundled policies can help protect against damage in all areas of your business, from flood to fire. Cross Creek Insurance experts can help ensure you aren’t missing any critical areas of coverage for business in Hope Hills, NC. Contact us today.

Life can throw many curve balls our way, and sometimes it’s hard to know what kind of life insurance policy is right for us.

Here are a few things to think about when you’re trying to decide on life insurance in Hope Hills, NC:

What is Your Current Financial Situation?

This includes things like your income, your debts, and your overall financial goals. You’ll want to ensure you have enough life insurance to cover your debts and final expenses, but you don’t want to over-insure yourself and miss out on other financial opportunities. Your Cross Creek Insurance agent can help you determine how much life insurance you need based on your current financial situation.

What is Your Family Situation?

Do you have a spouse or partner? Children? Other dependents? Your life insurance policy should protect your loved ones in the event of your death. If you have a stay-at-home spouse, you’ll want to make sure they have enough money to pay certain expenses, such as the mortgage or child care, in the event of your death. If you have adult children, you may not need as much life insurance, but you’ll still want to ensure they’re taken care of financially in case of your death.

What is Your Lifestyle?

Your lifestyle choices can impact your life insurance needs. If you have risky hobbies, such as rock climbing or bungee jumping, you may need to purchase a more expensive policy with higher coverage. If you smoke cigarettes, you’ll also pay more for life insurance.

Our lives are constantly changing, and so are our life insurance needs. It’s important to review your life insurance policy every few years to ensure it still meets your needs. If you have any questions about life insurance in Hope Hills, NC, or if you need to review your policy, contact Cross Creek Insurance today. We’re here to help you make the best decisions for your family.