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.