Our pets are like family and for many, it is a gamble to get them into the car. There are some that worry that their pets are not covered it the event of an accident. For those in the Hope Hills, NC area, the agents with Cross Creek Insurance can help you to understand just what your pets are covered for.

For the most part, pets are covered to a certain extent on all auto policies without your having to buy any extra coverage. What this means is that injury to pets is covered up to $1,000 for bills to the vet but this is not going to cover the cost of all the bills in the event of very serious injury. If your pet is just in need of a check up after an accident, the built in coverage will be enough to serve your needs. If your pet is seriously injured you are going to have to pay the remainder of the bill out of pocket.

Overall, if you have pets that travel with you in the car once or twice every few months, you are likely not going to need a huge policy to cover them. If they ride with you often, however, your risk of them being injured in an accident is much higher and you likely need more coverage. For those that have their pets in the car often, it may be beneficial to take out an extra umbrella of coverage to take care of them. You can purchase extra coverage through your auto policy or you can purchase a separate pet policy that covers your pet both in the car and at home. For those in the Hope Hills, NC area, the agents with Cross Creek Insurance can help you to cover your pets.

The basic difference between term and whole life insurance is, term insurance is life insurance for a set period of time, while whole life insurance has many other benefits like cash value at the end. That may make whole life seem like a better deal, but a lot depends on your situation and what your needs are.

Both policies provide basic life insurance, a death benefit for the person named on the policy, and that death benefit is normally tax free.  Term insurance is often recommended for younger people, or people who need coverage for a specific amount of time. Whole life is more aimed at the long term, and can be considered part of a long range financial strategy. At the end of the whole life policy there will be a cash benefit available. You may re-invest that in a new policy, or you can borrow against it in a partial surrender.

Initially the term life policy costs less, and the price stays the same for  the entire term, usually a fixed number of years. At the end of that term the policy expires. If you renew the policy it will usually be at a higher price, and it will go higher as you age. There are some policies now that allow you to convert the policy to a permanent policy that can build some cash value.

The whole life policy costs more to start with but it does not increase. Your policy could be for 10 or 20 years and will not change. However, it will expire at some point. At that time you can take the cash value or reinvest it in the policy.  There is also the possibility of cash value growing through dividends in some policies.

Come by, or call our agents at Cross Creek insurance to discuss your life insurance needs.

When people think of commercial insurance, they often tend to think about a policy that covers a store or restaurant.  The truth is that service-based businesses are the companies most in need of commercial insurance policies.  If any of the following conditions apply to your business, then it’s time to invest in a policy.

1. You travel to you clients.  Even if you’re using a personal vehicle, your personal auto insurance coverage may not cover an accident if you are using the vehicle primarily for business.  A commercial auto policy would cover all of the vehicles that you use for your business.
2. You have business-related equipment.  Computers, cameras, power, tools, and anything else you use for work should be insured against loss and damage.  Criminal acts and natural disasters are next to impossible to avoid, but they can completely destroy your equipment and your only way of making a living. Make sure you talk to your agent about the type and value of the equipment you have, as well as where it is typically stored.
3. You need coverage against lawsuits.  Commercial umbrella policies are strongly recommended for service-based companies because of the high number of individual clients that they work with.  Umbrella insurance will help you to pay for a lawyer and deal with the other costs involved in a lawsuit.  These policies can also help your business to be protected from a variety of other legal issues.

If you’re thinking about investing in a commercial insurance policy, call the agents at Cross Creek Insurance.  They can help you to find a policy that meets your needs without breaking your budget.

Commercial insurance is just one more task out of many a business owner has to understand and make decisions about, and it can feel like a complicated space to navigate for many. This is a very valuable service, though, and it’s important you realize just how important before deciding on a plan. Here’s what to keep in mind before moving forward. 

1. Protecting You

Chances are, you don’t have a lot of outside support coming in to help you out with your company. If it goes under due to a major flood or extensive vandalism, then you may not have any other recourse of supporting yourself if you can’t get your business back together. 

2. Protecting Employees 

Employees not only have a right to protection under the law, but you also need to look out for their best interests. There are a lot of unexpected events that can occur during any given workday, and you need to have the right preparation plan in place to best deal with it all. 

3. Protecting Customers 

Not only may customers be hurt on your property, but commercial insurance also helps you get your company back open as soon as possible. This can forge a bond with customers when they know that you’ve taken the precautions necessary to keep everyone safe and sound. 

Cross Creek Insurance serves Hope Hills, NC and we’re here to make finding a good policy as easy as possible. Talk to us about common events that are covered, and what you may need to purchase additional protection for. We’re here so you can understand everything before you’re faced with a problem. Call us and ask for a quote, or simply talk to us about your existing and future needs. 

You can give back to the community you live in by doing all types of great things, from adopting a shelter pet, to giving blood, to feeding the hungry and helping the homeless. If you’re interested in getting involved with the people of Fayetteville, there are plenty of choices for you to consider. Nearly all of those choices are great ways for you to focus on how you can help your community and how you can make some friends at the same time.

A lot of people think that giving back means they have to hand over money, but that’s not always the case. You can certainly donate cash to worthy local causes, but there are plenty of other options. Items you don’t use, food for the food pantry, and your time are also great things to donate. A lot of organizations need volunteers, and giving your time to help those who are less fortunate than you can provide a good feeling that you just can’t get any other way. Helping people also goes a long way toward making a better community, and that benefits everyone who lives and works in the area.

When you’re insured by someone in your community, like Cross Creek Insurance, you have that personal feel that you’re looking for in a Fayetteville insurance company. You help out a local business, and you also get the chance to see that business grow and develop, to serve you even better in the future. That can be a great feeling, and a way to really get to know more people throughout your community.

Protecting your life is not exactly like protecting your home or car. You likely have very different feelings about life insurance, but that’s not a reason to ignore the need for it. The financial support from a well-designed life insurance policy is what can keep a family going during an extremely difficult time. Your city is all about having the right attitude, so learn more about the kinds of protection available in Hope Hills. 

Term Insurance: A Good Choice for Those With Young Children 

When you have young kids, you already know it’s common to worry for their future. However, you also know that you want them to be able to provide for themselves at some point. Life insurance protects them against an emergency for the time they need it the most. Typically, this policy is set up to expire when a parent decides that their children will come of age. That could be 18 for one parent or 25 for another. Whatever you decide upon, this is a good way to set them up without overdoing it. 

Permanent Insurance: Excellent Coverage for Life 

If you want to be a continuous provider for family or even beloved friends, then permanent insurance will likely be for you. While these policies typically cost more, they give you the piece of mind that everyone will be covered should something happen. They can also be used as a type of savings fund as well, so you know you have fall-back funds if you should need them. 

Cross Creek Insurance serves the people of Hope Hills, and we can help you decide on a plan that works for both you and the people you love. Give us a call today for more info.

To be successful, every business owner must learn to cope with risk. While it is probably not possible to totally eliminate risk, there are some basic ways to cope with it.

 

Stick to Your original Plan

When starting your business, you should draft an outline of every aspect of it from sales and marketing to projected revenues. You should consider several different perspectives as you go about running your business. Once your original plan is drafted and survives the first quarter, stick to it. You may be tempted by the opinions of others and trends to change horses mid-stream. Resist this temptation.

 

Purchase Insurance

Interacting with the public or even dealing with business to business commerce always comes with an element of risk. It’s possible that your product could be involved in an accident that causes injury or damage. No matter how well designed, or labeled your products are- you should protect yourself by purchasing liability insurance. If you are the target of a frivolous lawsuit- even if you win- you could lose an unacceptable amount of money in lost profits and court costs. Discuss a liability insurance policy with your insurance agent before you begin offering any products or services to customers.

 

Carefully Monitor Your Business

In order to manage risk, it is necessary to take steps to determine when risks may occur. These risks include the activities of your competition, marketplace fluctuation, trends in fraud, and weaknesses in your organization’s safety procedures and operations. It may be that your quality-control isn’t thorough enough and that defects are reaching the marketplace. These potential risks must be identified and remedied in order to help mitigate the total risk to your livelihood.

 

Cross Creek Insurance
The professionals at Cross Creek Insurance, are dedicated to giving clients the best insurance plans available. Our goal is to make your insurance purchase fast, simple, and productive.

Call or click today and the insurance experts help to protect your business when disaster strikes.