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Insurance People of North Carolina

School Safety Pays: Insurance People and Utica National Insurance Announce Dividends for Charter School Safety Program

By Insurance, Insurance People of North Carolina, Specialty Insurance
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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Preventing Burst Pipes

By Business Insurance, Personal Insurance
  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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Five Dangers of Ignoring Workers’ Comp Just Because Rates are Low

By Business Insurance, Insurance People of North Carolina
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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Before Renovating, Refresh Your Safety

By Business Insurance, Insurance People of North Carolina, Specialty Insurance
  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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Mental Health Awareness Month: How Employees’ Mental Health can Impact your Work Comp Policy

By Business Insurance, Workers Compensation
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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School Safety Pays: Insurance People and Utica National Insurance Announce Dividends for Charter School Safety Program

By Business Insurance, Specialty Insurance
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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Start Your Flood Insurance 30-Day Wait Period Just in Time for Hurricane Season

By Business Insurance, Insurance People of North Carolina, Personal Insurance
  June 1st is the official start of hurricane season for states along the Atlantic coast – and it could be catastrophic. Scientists at Colorado State University issued a prediction that there will be at least 19 named storms. Of those 19 named storms, nine will be hurricanes - four of which will be Category 3 or higher. Typically, an average hurricane season has around 14 named storms, seven hurricanes and three major hurricanes. In 2021, hurricane season produced 21 named storms, including seven hurricanes of which four were Category 3 or higher. Last year’s season was the sixth consecutive…
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The Business Owner’s Conundrum: How Buying Workers’ Comp Insurance Relates to Buying Gasoline in A Seller’s Market

By Business Insurance, Insurance People of North Carolina, Workers Compensation
Buying workers’ compensation insurance is a lot like purchasing gas for your vehicle. Your company is a car with an empty tank and insurance carriers are gas stations looking to win your business. Gas stations (insurance carriers) are homogeneous - the only real differences between them are their logos and the fuel costs. Gas stations understand that price is the main reason someone would choose to fill up at their pump rather than the pump across the street. Yes, a handful of individuals might choose them for other reasons; clean bathrooms, good snack selection or even lottery winning success. However,…
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Breathing Space

By Business Insurance, Specialty Insurance
Our friends at Builders Mutual provided us with several valuable pieces of information on the dangers of Carbon Monoxide (CO) poisoning and how it can be an over-looked job-site threat. Below, you will find the information from Builders Mutual: “Much of the work done on construction sites is outdoors, from pouring foundations and driveways to exterior framing and roofing. But at some point, the work (and the workers) move inside and into enclosed spaces, often providing relief from heat, cold, and bad weather. But bringing gas-powered equipment indoors can shift that breath of relief to a breathing danger. Carbon monoxide…
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9 Most Common OSHA 300A Summary Mistakes

By Business Insurance, Insurance People of North Carolina, Workers Compensation
This blog is from our friends at EmergeApps   Employers are required to post the OSHA 300A summary from February to April of each year to maintain OSHA recordkeeping compliance. This is an essential responsibility for employers – but can also be a confusing one. Here are the 9 most common employer mistakes regarding the 300A posting: Failure to post when there are zero incidents Employers are required to post the Form 300A Summary even if there were no recordable injuries and illnesses. If there are no incidents, simply enter zeroes for the column totals. Not posting the right data…
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