Based in Hope Hills, NC, Cross Creek Insurance assists residents in the community through helping them find the insurance coverage that they need. We offer our clients multiple insurance policies to ensure that they can find coverage regardless of the situation.

Commercial Insurance

Business owners have a lot of responsibilities. They have to serve their customers, hire good employees, and keep track of a large amount of paperwork. Operating a business on a daily basis can be an overwhelming experience at times, which is why commercial insurance is an asset. Commercial insurance helps business owners manage their investment. The policy covers the business’s physical property in the event that it is damaged due to a fire or another type of natural disaster. Worker’s compensation protects your business and your employees in the event of a workplace injury.

Important Facts To Remember

Your Business Vehicle Is Covered

Commercial insurance allows you to protect any vehicles that are a part of your business. You can add liability, collision, and comprehensive coverage to your vehicle. Don’t simply rely on your traditional auto insurance policy.

Liability Coverage

Liability coverage gives you protection as your brand starts to grow and attract more people. The more customers that you have visiting your business, the more likely there will be an accident that occurs on the property and one of your customers gets injured. Liability coverage protects you if one of your customers gets injured while visiting the property.

Business Owner Coverage

As a small business owner, you can merge multiple types of coverages in a single business owner package. A business owner package is an efficient way to ensure that you are protected.

Cross Creek Insurance Can Assist You

If you have any questions about commercial insurance, stop by our office in Hope Hills, NC today. We will discuss all of your options so that you can find the coverage to help maintain a successful business.

Working from home brings with it a number of benefits. There are also a handful of questions. One such question you might wonder about is whether you need to have commercial insurance, or if your home owner’s insurance will suffice. Here at Cross Creek Insurance, we are here to help address these and all other commercial insurance concerns you might have, especially if you live in greater Hope Hills, NC. 

Home Business Insurance Needs

In general, yes, you absolutely need commercial insurance when working from home. Your home owner’s insurance protects your home, but if you’re building materials or saving stock within the property this will likely not be protected. Now, if you work off of just a computer you may be able to get away with insuring your computer, but if you produce anything in your home it is a good idea to insure it. 

Additionally, fires can start with some home manufacturing. If you sustain property damage due to your business your home insurance may not cover it. So commercial insurance can fill in this area and make sure that not only your business goods are protected, but that your property is protected in the event of any kind of business-related damage. 

Protect Your Home Business With Commercial Insurance

You have put in a considerable amount of time, money, and energy into building up your at-home business. You need to do whatever you can to protect it. One of these ways is with commercial insurance. Commercial insurance is designed to help protect your business, regardless of its physical location. So, if you live around Hope Hills, NC and run a business inside your home, our staff here at Cross Creek Insurance is ready to help address all your concerns. 

You won’t always be there to take care of your family. However, you can continue to provide for them with life insurance. Life insurance is designed to offer you peace of mind so you know they will be cared for. However, taking out life insurance isn’t as simple as just going in and buying a one size fits all offering. The kind of life insurance you need will differ. You may also wonder when the right time to get life insurance is. Here at Cross Creek Insurance, we are here to answer all your life insurance questions, whether you live around Hope Hills, NC, or the neighboring communities. 

It’s Always the Right Time

There’s never a wrong time to take out life insurance. When you’re younger you can find extremely affordable policies with large payouts. Now, if you’re single and don’t have anyone that would receive the money you may not necessarily need it. However, if you are married, have children, or have debts your family might take on in the event of your death, you should look into life insurance. Really there is no bad time for it. 

Now Is The Time For Life Insurance

There is no wrong time to take out life insurance. There is also no such thing as being too late. If you’re younger you can take out life insurance and have extremely small payments for large payouts. Even if you think you’re too old for life insurance you aren’t. There are plenty of options available for your price range. That is why our staff here at Cross Creek Insurance aims to offer you help. If you’re in the greater Hope Hills, NC area, we want to do everything we can to connect you with life insurance. 

Life insurance is not one size fits all. It can be overwhelming to consider the type and amount of insurance that you need. You may be questioning if you need life insurance at all if you are not married. Life insurance is not something that most people talk about and it can seem almost morbid when you do have questions. At Cross Creek Insurance in Hope Hills, NC we understand how confusing it can be and we are here to give you the guidance that you are looking for.

Life insurance should be a part of your overall financial planning. It is not just about the death benefit but it can also be a source of cash while you are still relatively young, say when you are going to buy a home. In order to know if you need to have life insurance if you are not married,  you need to ask yourself a couple of key questions. Does anyone count on you to provide for them? Do you have aging parents, a child, or other dependants?  Do you have any debt? Do you have enough assets to clear that debt?  Have you made arrangements to have your last expenses paid for? 

If you have someone who counts on your income to survive, it is important that you take the necessary steps to make sure that they will continue to be provided for if you pass away. You also don’t want to leave your loved ones to clear up your debts and try to come up with enough money to pay for your final expenses. Even if you are not married, life insurance can offer peace of mind to you and your loved ones.

If you are ready to discuss life insurance the team at Cross Creek Insurance in Hope Hills, NC is always ready to sit down with you and discuss this important coverage. Stop by our office or give us a call to set up an appointment. 

Cross Creek Insurance in Hope Hills, NC has been offering commercial insurance for several years, and we will discuss a few important commercial products that are essential to businesses. If you’re considering commercial insurance, these insurance products should top your consideration list.

Commercial property insurance

This policy provides coverage for the physical location and property of your business. Generally, it provides coverage for your business furniture, inventory, and equipment. Even if you run your business from home, this commercial insurance policy can help.

Here are some of the situations in which this insurance policy can help. If fire or any other disaster damages your office and you cannot open for business for some time, this coverage will provide funds for repairs and also compensates you for the loss you incurred during the period of the closure.

If your computer and other tools get damaged, you will be provided with the funds for repairs or replacement. Every business needs this insurance product. No matter what your business is, you’ll have a tool with which you work. Even if you’re a freelance writer that works from home, you need to protect your laptop.

Cyber insurance

With the high spate of hacking and cybercrime, it is necessary to consider this commercial insurance product. Even if you don’t do any financial dealings, you could be a victim of ransomware attacks. You could be locked out of your system by cybercriminals. This policy will compensate you for all the losses you incurred due to cyber-attacks.

Workers’ compensation insurance

If you have people working for you, this is the most important commercial insurance product. It is even required by law in North Carolina. Also, it prevents your employees from being able to file lawsuits against you for work-related injuries.

When you visit us at Cross Creek Insurance in Hope Hills, NC, we’ll tell you about the other commercial insurance products and also help you make the best choice for your business.

Whole life insurance policies are a great way to protect your family. No one wants to think of leaving their family behind, but with a whole life policy, if the unthinkable happens they will be cared for. The agents at Cross Creek Insurance serve residents throughout the Hope Hills, NC community and provide them with sound advice concerning all types of life insurance policies. Whole life is one option with several benefits.

Provides for Your Family

A whole life policy is set up to provide your family with the financial support it needs that you can no longer provide. This type of financial support will pay for the day to day bills that must be paid. Even though they will no longer be able to rely on your income, they will have the money they need to keep going for a few years.

Offers Financial Security

Whole life policies are often written for several thousands of dollars. When the money is earmarked for your children, it can be placed in financial trusts they can draw from when they reach legal age. An administrator can also pull money for the trust if certain items are needed.

Pays Off Your Debts

Finally, a whole life policy can be used to pay off any lingering debts that have been left behind. The administrator of your estate can use your policy to pay off those debts so your family won’t have to worry about them.

If you live in the Hope Hills, NC area and are interested in whole life insurance, speak to an agent from Cross Creek Insurance today! Protect your family today by purchasing a whole life policy!

If you have a dream of opening your own business, finding the right location is important. The city of Hope Hills, NC is a good option for any aspiring small business owner. This community has a growing population and good economic factors that make it a great place to establish a company. If you are going to start your own company, you need to consider your insurance needs. There are several reasons why a business owner in North Carolina will need to have commercial insurance.

Required by Lenders and Investors

One reason why you will need to have commercial insurance is that it will be required by your lenders and investors. Getting a bank loan or raising private capital is a necessity for many businesses. If you do go this route, the investors or banks will need to make sure that you are properly insured. This will require you to have full commercial insurance coverage as it can mitigate several different risks. 

Workers Compensation Laws

Once your business reaches a certain size, you are going to need to hire a team to help you to grow. If you do have employees working for your company, it is important to get worker’s compensation insurance. In fact, the state of North Carolina will require that you have this form of insurance as soon as you have as few as three employees. 

Business owners in Hope Hills, NC need to know their commercial insurance requirements. Those that are looking for a new commercial insurance policy should contact Cross Creek Insurance. Since there is some complexity that comes with getting a commercial insurance policy, Cross Creek Insurance can be a great resource. They can evaluate and assess your insurance needs and make sure that you get into a great policy. 

Successful business owners are often looking for the best ways to plan their marketing, staffing, and administrative duties. The owners of companies of different sizes also have similar duties with hiring and successful growth achievements. The best planning may often include the smartest ways to keep track of important contacts.  Business networking and marketing efforts often lead to successful contacts that are ready to help simplify the process of running a company.  Effective planning for business owners also includes administrative successes, such as consideration of commercial insurance. Cross Creek Insurance has a trained staff ready to assist with your commercial insurance needs.  Serving the Hope Hills NC area, the agency has proven success in helping businesses with their focus on comfortable company growth. 

The experienced contacts are important as a company is growing an important customer market or product line. A good insurance company can also help with planning for expansion sites and business assets. New hiring and worker’s compensation are other reasons to have a good insurance agency ready to help you grow. Property coverages and insurance for service-oriented firms are also reasons to consider commercial insurance. Smart growth is noticed with companies that are ready for incredible success.

Cross Creek Insurance is an experienced company that helps business owners with commercial insurance through their process of successful growth.  With experience helping businesses in the Hope Hills, NC region, the agency is also able to work with business start-ups as the leaders are planning their best strategies. Knowing the right contacts can be the smartest way to prepare for the most comfortable planning for success. For more information, call Cross Creek Insurance or visit them online. The best contacts are ready to help you and available to assist with planning for your business.

Most workers look forward to the day when they retire. You will be faced with many decisions when you are formulating your retirement plans. In most instances, there will be a change in income and some hard decisions may have to be made. Can you afford to live in your current home, will you have enough money to maintain the lifestyle you currently enjoy and are there some cuts you need to make. You may be asking yourself do I need life insurance after I retire? In Hope Hills, NC, Cross Creek Insurance is there for you to offer their expert advice. 

Before you decide whether or not you need life insurance after you retire you need to ask yourself a few questions. 

• Who is counting on me to provide for them?
• Do I have outstanding debts including a mortgage?
• Have I provided for my final expenses?
• Do I want to leave a legacy to anyone?

If you have a spouse, partner or dependent of any sort, you probably want to make sure that they are provided for and not left in financial need in the event of your passing. Life insurance is a way to help them to get through not only your loss but the financial burden that can follow. It should be able to take care of any debt that you have as well as paying for your final expenses. Ideally, there will be enough left to allow them to continue to live the same life that they are accustomed to. 

Many people want to leave a monetary legacy to their children or grandchildren even though they are not dependent. It can help to pay for a college education or the downpayment on a home or business. 

The team at Cross Creek Insurance in Hope Hills, NC can help you to decide if life insurance after you retire is something that is important to you. Why not give our office a call or stop by today to discuss your insurance needs.  

 

There are many important forms of insurance that the average consumer needs to have. While most people in the Hope Hills, NC area will spend a lot of time shopping for a home or auto policy, not as many consider their life insurance needs. For those that are looking for life insurance, finding the right policy will require you to understand and consider a few different factors.

Know Your Options

When you are shopping for a life insurance policy in the Hope Hills, NC area it is important that you consider all of your options. The most common options include whole and term life insurance. Whole life is a great option for those that would like to also use their policy as an investment. Term life is ideal for those that want the most coverage possible for an affordable rate. It is important that you consider the benefits of both options when shopping for a new policy.

Consider Coverage Needs

You also need to spend time considering your own coverage needs. The amount of life insurance that you need will depend on your situation. You should carefully consider all future costs of your dependents, which can include housing, education, and even retirement. This should help to guide you into picking a policy limit that will give you the right type and level of coverage for your situation.

If you are trying to figure out your life insurance options, it is easy to get confused and concerned. Because of this, you should contact the team at Cross Creek Insurance whenever you are looking for a new policy. Cross Creek Insurance can help a consumer better understand their life insurance options and get into a policy that provides the best protection possible.