For small business owners who live along and near America’s coastlines, springtime means it’s time to dust off the hurricane response plan.Annual Storm Season (by region)Eastern & Southern States — June 1 to November 30Alabama, Connecticut, Delaware, Florida, Georgia, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Rhode Island, South Carolina, Texas, and VirginiaWestern States — May 15 to November 30Alaska, California, Hawaii, Oregon, and WashingtonThe RiskResidents of these states know the major devastation hurricanes can wreak. As an example, Hurricanes Florence and Michael killed nearly 100 people and caused $50 billion in damage. A significant portion of those…
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Insurance People is proud to announce that Utica National Insurance Group has declared a dividend for the Charter School Safety Program. Utica has issued a 5.6% dividend for charter school participants. Members of Utica’s dividend program are committed to keeping schools safe. Insurance People partners with Utica for this very reason – they provide unmatched resources to ensure their schools are leaders in risk management and safety practices. Each year Insurance People adds new schools to the Safety Group. We welcome any introductions and hope to help more schools stay safe and be financially rewarded for doing so in 2025.…
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We hope that everyone had a wonderful time with their friends and families over the holidays. As we enter 2024, we want to make sure everyone has prepared their homes for the winter. Our friends at Utica National provided us with some information regarding how to prevent pipes from bursting. Below, you will find the information from Utica: Many people believe that when water freezes in a pipe, the ice expands, pushing against the walls of the pipe causing a pipe to burst. In reality, this is not the case. Freezing water pipes do not burst directly from the…
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Insurance People of NC is proud of the work that we continue to do with the Institute of WorkComp Professionals (IWCP). The IWCP does great work for the Insurance industry. According to IWCP, “for every dollar the insurance company spends, they are likely to pay back $2.00 to $3.00. It’s our job to give you the tools to keep your clients from borrowing at such high-interest rates. Because Workers’ Comp is so complicated and confusing, employers are left to assume that their premium audit reports are accurate and their Experience Modification Factors are correct. However, because of mistakes rampant in…
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Our friends at Builders Mutual Insurance Company provided us with the below information regarding renovation safety. We are thankful to Builders Mutual Insurance for continually providing us valuable information that we can share with you all. Below is the blog from Builders Mutual. When a property owner chooses to remodel instead of building from scratch, contractors also need to adapt their approach – including how they’ll safeguard workers. Renovation presents distinct challenges that may not be present in new construction. Adam DeVantier, Senior Risk Management Consultant at Builders Mutual, shares his top safety tips for renovating. This advice applies…
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Although May is coming to an end, we wanted to make sure Mental Health Awareness Month was still highlighted. Since 2020, employee mental health has become a much larger concern for employers. Our friends at AmTrust provided some information to teach employers what they can do to help their employees’ mental health through the year. In fact, learn how, “whole-person wellness”, is key to a successful workers’ compensation program. The information below comes from AmTrust, if you have any questions regarding it, please contact Insurance People of NC. What is Mental Health Awareness Month? Mental Health Awareness…
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In a slowing economy, employers are looking for opportunities to cut costs. A frequently overlooked method to save money is reviewing the organization’s insurance program, which many employers view as a fixed cost. While premiums for most business insurance coverages are static, workers’ compensation premiums can vary and present a lucrative opportunity to conserve cash. Below are three tips to decrease workers’ compensation costs in your organization: Implement a comprehensive safety program: One of the most effective ways to decrease workers' compensation costs is to prevent accidents and injuries from occurring in the first place. Developing and implementing a comprehensive…
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Insurance People is proud to announce that Utica National Insurance Group has declared a dividend for the Charter School Safety Program. As a result of low claims in 2021, Utica has issued a historic 10% dividend for charter school participants. Members of Utica’s dividend program are committed to keeping schools safe. Insurance People partners with Utica for this very reason - they provide unmatched resources to ensure their schools are leaders in risk management and safety practices. Each year Insurance People adds new schools to the Safety Group. We welcome any introductions and hope to help more schools stay safe…
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For North Carolina residents, it is about the time of year to start planning for the cold months ahead. According to Weather Spark, the cool season in North Carolina lasts for three months from November 30th to February 28th. In Raleigh, the average low for the cold season is 33 degrees Fahrenheit, which is close to the freezing point of water. These low temperatures can lead to freezing pipes and snowfall, so it is important to take steps to ensure your home is well prepared for winter weather. Please continue reading for some great tips on how to help your…
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Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp. Stop Hiring Claims Hiring employees is one of the hardest tasks for any businessowner – especially with today’s labor shortage. Employees not only ensure your business can function, but they dictate company culture and future growth. Unfortunately, not everyone that applies has the physical or mental qualifications necessary to perform the job.…
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