Tips Archives - Zacharko Insurance Agency

Top Truck Insurance Raleigh, Best Auto Insurance Raleigh, Best Auto Insurance Wake Forest, Best Auto Insurance Near Me. Direct Auto Insurance Raleigh,

Top Truck Insurance Raleigh, Best Auto Insurance Raleigh, Best Auto Insurance Wake Forest, Best Auto Insurance Near Me. Direct Auto Insurance Raleigh,

Top Truck Insurance Raleigh, Best Auto Insurance Raleigh, Best Auto Insurance Wake Forest, Best Auto Insurance Near Me. Direct Auto Insurance Raleigh,

When your business is in the trucking industry, getting insurance should be your top priority. It saves you from catastrophic financial damages when something goes array that involves your people or your vehicle.

The first thing is to understand how truck insurance works. Here are 9 of the most crucial things you need to know.

1. Truck Insurance Should be Black & White

Before signing any insurance papers, you must know what is good or bad for your business. Transparency is key between you and your insurance representative or broker.

As the business owner or operator, read, research, and understand what you sign. Everything written in your policy must be explained to you by your broker.

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The representatives will have to give all possible scenarios and the limitations of the insurance policy you plan to get.

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2. Stability is Key

A stable company has active insurance. Buying truck insurance protects your business, your employees, and you. Truck drivers will not work for an unstable company.

You can only hang employees for a short time and tell them that we must wait for our insurance before accepting any cargo deliveries. You have to be one step ahead.

Choose and research an insurance policy before purchasing trucks, hiring drivers, and accepting job orders.

3. Talk to a Truck Insurance Specialist

It would be best if you talked to a specialist who has been explicitly handling truck insurance.

Doing this will give you an edge since they have been to many scenarios, and they have the experience. They can even give you tips and help you understand truck insurance better.

4. Talk to Your Representative in Advance

Always make yourself aware in advance when the expiration of your policy is dated. Policies need a renewal every year. Discuss the changes of the revival of the new policy, whether it regards your carrier, your maximum approved coverage, and other things that concern your company’s safety.

5. What are the Different Categories of Truck Insurance?

There are several types of truck insurance, and they all have different applications and features.

Liability or General Liability Insurance

This insurance covers damages or injuries where accidents occur. For example, when you are involved in a car accident, a building, or a structure has been hit, you will have a coverage amount that would depend on your policy.

Cargo Insurance

This kind of insurance is usually worth $100,000. It covers the cargo you are carrying or hauling. Insurance will occur when you lose it, break it, or have other unwanted accidents with cargo or freight.

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Discuss with your broker what will be inclusive and exclusive in this. For example, some carriers do not insure electronics, while some do. Therefore, the inclusion varies; discuss this with your truck insurance broker or specialist.

Physical Damage Insurance

This insurance covers the trucks that you are using. The physical damage insurance pays for vehicle or truck replacement, repairs, total loss, debris removal, or towing when needed.

Non- trucking Liability Insurance

This insurance applies when operators use the trucks without being on official business or under a job order when the trucks or truck owners have it for personal use and get into an accident.

Trail Interchange Policy

A policy like this is good if you use different trucks or hire other trucking companies to haul cargo. It covers the physical damage that happens during the job, like theft, vandalism, or collision.

Accidental Occupational Insurance

Insurance like this is when you get an injury at work. You can get coverage for disability, injuries, or payouts when an incident happens during work.

6. What Should You Prepare for Insurance Approval or Get a Higher Insurance Value?

The insurance company will check your credit or debit. So make sure you have good credit. They will also check driving histories, such as if you have a DUI record or any road-related accidents.

Age is also going to be a factor. There are different insurance coverage rates for policyholders over 35 years old, under 35, or under 25 years old. Lastly, they will investigate where you live or check where you park your trucks.

7. Weight the Choices You Have

There are several insurance companies for policy shoppers. Like when we shop, we look at all the options and select the best one.

It would be good to talk to several brokers or representatives and hear what they have to offer.

8. Why Are Policies Revoked?

Listed below are several common reasons why no one renews policies after expiration;

  • Being always involved in accidents
  • Violations severity
  • Rapid Company growth (the number of drivers and trucks you add in such a short period)

9. Insurance is More Essential Than the Truck

We can never predict accidents when it happens. That is why various truck insurances exist. They help in resolving problems and mitigating and even preventing company losses.

It is essential to get truck insurance because companies and businesses lose serious money if they do not have one.

Even big companies declare bankruptcy because they do not have insurance and renewed policies.

Act now, talk to a trusted insurance company, and do what you can to prevent unpleasant incidents.


Cyber Security Insurance Raleigh

Cyber Security Insurance Raleigh. Cyber security awareness has become vital in today’s highly digital world. With cybercrime complaints like phishing and data breaches reaching 847,376 in 2021, protecting your private information online has never been more relevant. In fact, cyber security awareness month is celebrated every October for this specific purpose.

Thankfully, you can protect yourself from cybercrimes by getting the best insurance Raleigh policy that offers cyber security insurance policies. These policies cover extra expenditures caused by the destruction or theft of information technology assets.

However, to better protect yourself and your assets against cybercrimes, you must be prepared and adopt cyber security measures. To get started with these measures, it’s crucial that you understand everything about cyber security awareness.

What is Cyber Security Awareness?

Cyber security awareness is being conscious of the safety of your online information and activities every day, whether at home or work. Doing so is crucial because it’s apparent how danger lurks in every corner of the world wide web. For example, a simple click of an innocent-looking link can bring you to suspicious websites, and downloading something from your email can actually compromise your data.

Zacharko Insurance – cyber security awareness

You need to be aware of these dangers to protect yourself and your property. But how can your awareness save you from a cyber-attack?

With the continuous rise of cybercrimes each year, you need to take certain measures to ensure the security of your online information and transactions. If you’re not careful, hackers can cause significant damage to your assets, or they can cause a breach in your company’s system.

However, if you are well educated about possible cyber incidents, you will know what to do when something fishy comes, significantly reducing the risk of a security breach.

To be effective in your strategy against cybercrimes, you need to undergo cyber security training (if you run a business, make sure your employees are trained as well). Additionally, you need to be updated with new developments in cybercrimes and the latest tips and tricks to prevent them. Getting the best insurance Raleigh policy to cover you against threats toward your computer information and property is the next level of protection.

Cyber security awareness ultimately boils down to using you understanding how to take measures that prevent cyber-attacks and educating others about them. Being consistent with cyber security practices and getting yourself insured with the best insurance Raleigh policy can be your strategy in stopping the spread and counteracting the effects of cybercrimes.

Home Insurance Raleigh NC. Allstate Insurance Raleigh NC

Home Insurance Raleigh NC. Allstate Insurance Raleigh NC

Home Insurance Raleigh NC. Allstate Insurance Raleigh NC

Being first-time homebuyers is an overwhelming experience. As if that’s not enough, choosing the right home insurance 27615 makes the process even more stressful. Do you have to get insurance for your home? Which insurance company can help you the most? What if you don’t get enough coverage for your property? These are just some questions you might ask yourself.

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But no matter how daunting it can be, one thing is clear: home insurance 27615 is a necessity and not a luxury. It is the best thing to protect you and your property from damage, theft, and other untoward incidents. So, naturally, you would want to get only the best homeowners insurance policy and enjoy the proper coverage.

However, as a new home buyer, it’s understandable how confusing things can get. And you might not know where to start. So, let this guide help you choose the home insurance that’s just right for you.

Learn about different home insurance policies early on and make a comparison.

There’s no shortage of homeowners insurance and insurers in Raleigh. And that’s what makes choosing the right insurance even harder. However, if you start researching early on, you will end up with the one policy that perfectly fits your needs and budget. Always know your options and make a comparison when it comes to prices, coverage, and client feedback.

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Know the amount of coverage your home needs.

Replacement cost and market value are two different things. But when it comes to insurance coverage, the replacement cost is what you need to determine. Thus, you must know exactly how much you need to replace or repair your property if it incurs damages. If you want your policy to cover all costs, you need to get insurance to cover at least 80% of your home value.

Identify additional coverage you may need.

Certain circumstances are not covered in a standard home insurance policy. And you need to know what these are, so you can get additional coverage if you anticipate them. Or, you can get umbrella insurance for extra liability coverage.

Think about insurance bundles.

Many insurance companies offer home and car insurance bundles. These deals come with significant discounts, and you can enjoy savings on your premiums.

Home Insurance Raleigh NC5

Home Insurance Raleigh NC5

Home Insurance Raleigh NC5

When you’re not sure of things, the best thing you can do is ask experts and do your research. Then, armed with the proper knowledge, you can complete the steps above and end up with the home insurance 27615 that you need.

5-star auto insurance Raleigh

5-star auto insurance Raleigh. Cheap Auto Insurance Raleigh

When you research auto insurance Raleigh policies, one thing you will encounter is use-based insurance. This type of insurance is still relatively new but has gained tremendous popularity among car owners. However, many are still confused about it and wonder whether it’s the right car insurance.

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What is use-based insurance? Use-based or usage-based insurance, from the name itself, means that your premiums are based on how safe you drive. It uses telematics to gather information about your driving habits, including your driving speed, acceleration, braking, mileage covered, and usual driving time. Your driving scores is derived from these stats. The better your score, the better your insurance rate, meaning you can pay lesser premiums if you drive safely.

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Why should you consider use-based auto insurance Raleigh? Here are four reasons.

Use-based insurance offers lower premiums

Most car insurance offers up to 25% discounts for car owners who choose the use-based type of insurance. So, if you’re generally a safe driver, you can pay significantly lower premiums than other insurance types. Moreover, low-risk driving habits, such as driving outside the rush hour, can qualify drivers for more discounted rates. Thus, through use-based insurance, you can reduce your car insurance bill.

Drivers are encouraged to drive safer

Once you choose use-based insurance, you often get tips for safe driving along with your driving score. When your driving score is good, you can enjoy discounts on your premiums. And since many drivers want to qualify for lower car insurance bills, they try to adopt safer driving habits, such as fewer sharp turns or hard brakes and not exceeding speed limits. This advantage works because drivers drive safer and insurance companies pay lesser insurance claims.

It becomes easier to track stolen cars

The use of telematics, specifically GPS technology, in use-based car insurance provides data for quick tracking of vehicles. In cases where a car gets stolen, telematics can help locate and recover it.

Telematics helps investigate car accidents

Use-based insurance utilizes telematics to monitor driving habits. And since data is gathered, it can be readily accessed when accidents happen. Using the available information, insurers can determine which driver is liable for damage and injuries, thus honoring the correct insurance claims and identifying frauds.

There are many reasons why usage-based auto insurance Raleigh has become widely popular today. Aside from paying lesser fees, car owners also become safe-conscious drivers and enjoy other benefits. If you’re still exploring auto insurance options, this might be one to heavily consider.

Read about 4 tips for first time home buyers.

Best Builders Risk Insurance Raleigh

Fire is one of the most common causes of property damage, with local fire departments responding to around 1.4 million fires in 2020. Thankfully, there are ways to prevent fire from destroying your home. More importantly, you can protect your property through a home insurance 27614 policy for when an unfortunate event of your house catching fire occurs.

While getting a home insurance 27614 policy is necessary, you don’t have to experience the benefit of fire coverage when you have the best fire safety plan at home. And, of course, having a fire plan also ensures your fire detectors are working correctly.

If you don’t have a fire plan yet, here are the top fire safety tips that can be your guide.

Install fire detectors or smoke alarms in strategic places in your home.

Most houses have fire detectors in each bedroom, outside sleeping areas, and on every building level. It’s essential that everyone sleeping hears the alarm when it detects smoke.

Ensure the fire detectors are working well.

More than installing fire detectors is making sure they work correctly. What is the use of having them when they don’t serve their purpose? Monthly testing is crucial for your fire alarms to protect you in case of fire.

Best Builders Risk Insurance Raleigh

Best Builders Risk Insurance Raleigh

To test the alarms, you need to follow these steps:

  • Inform your family members that you will be testing the fire detectors so they don’t get scared and panic.
  • Have someone stay at the farthest point from the fire alarm to ensure everyone, no matter where they are in the house hears it when it goes off.
  • Press and hold the test button on your fire alarm. It should produce a loud, ear-piercing warning sound to alert everyone in the house. However, if the sound is weak, you need to change the batteries. Repeat these steps afterward. Your smoke detector is working correctly when the sound is loud and blaring. If not, it might be broken, so you should have it checked.

Fire alarms usually last up to ten years. However, if you think your fire detector is worn out, you should change it earlier.

Organize an escape plan and discuss it with your family members.

You have then two minutes of escape time when a fire engulfs your home. Having an escape plan and orienting everyone about it is vital. It’s even better if you can practice it at least once a year.

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An effective fire safety plan is crucial for you and your family’s safety. If your property is destroyed during the incident, you have your home insurance 27614 to fall back on and help you recover. More importantly, remember to evacuate immediately during a fire and never go back inside.

Back to blog.

Protect Against Identity Theft

Protect Against Identity Theft

How do you protect against identity theft? Identity theft is one of the most prevalent crimes of the digital age. In fact, 1 out of 15 people become victims of identity theft, and that number is rising. But while technology is here to stay, it is, unfortunately, a contributing factor to the rise of fraudulent cases. Thankfully, there are ways to protect yourself against this modern crime. One of them is having an identity theft insurance Raleigh policy and adopting cyber security measures.

Protect Against Identity Theft

Sadly, anyone can be a victim of identity fraud. Even children suffer from it. And while identity theft insurance Raleigh policy can help you in such cases, it is better to be prepared and prevent identity theft from happening in the first place. Here are measures you can take to ensure protection.

Protect your personal information

When criminals access your personal information, they can use it to get into your accounts and steal anything of value. They can even use it to scam people you know. Therefore, it is crucial to protect your name, address, phone number, social security number, bank accounts, credit information, social media accounts, and everything hackers can use against you. Make sure to never post such details on your social media.

Be vigilant against phishing and other scams

Phishing scams involve criminals pretending to be bank representatives or personnel of important agencies or companies who will ask for your private information through phone, mail, or email. So be cautious and never respond with important information, such as your bank accounts, pin, or passwords.

Use strong passwords

Hackers have become quite skilled. They can even decode your password and get into your online accounts. Their skills necessitates the use of using strong passwords and a and a different one for each account is necessary.

Use effective cyber security measures

Another way to prevent cyber criminals from accessing your online activities is by using the best anti-virus software and spyware protection. Through effective security measures, hackers can’t penetrate your system, thereby keeping your information safe.

Protect Against Identity Theft

Check your bank transactions and statements regularly

When you see suspicious transactions in your bank statements and online activities, scrutinize them carefully and immediately report those that are unauthorized. When you take safety measures to protect yourself from cyber criminals, you can rest assured that your vital information is well-protected and no one can use it against you. But if you become the unfortunate victim of identity fraud, you must first file a claim for your identity theft insurance Raleigh. Then, inform the necessary people, agencies, and departments of the crime, so your assets stay safe.

And to make sure it doesn’t happen again, strict cyber security measures must be planned and adopted.

To read more, check out our posts on Liability Insurance and Cyber Security.

Commercial Property Insurance Raleigh North Carolina

Commercial Property Insurance Raleigh North Carolina. Renters Insurance Raleigh NC

Commercial Property Insurance Raleigh North Carolina. Renters Insurance Raleigh NC

Businesses come with risks. Even before starting your company, you should start considering ways to protect it. One of the best ways to secure your small business is by getting a business insurance Raleigh policy to ensure that your hard work and investments are well-protected.

Knowing how crucial having an insurance policy is, the next thing you need to consider is what type of insurance you need. How do you determine what coverage best serves your business needs? 

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To better protect your business and its assets, here are some steps you can take.

Explore different insurance products

There is no question about the crucial role of insurance in every business endeavor. However, getting the correct type of insurance policy is more important than getting an insurance policy. The best way to identify the right insurance is to understand your business and determine which coverage best fits it. For example, if you have employees, what insurance covers them? How about if you have a business partner?
Different businesses have different needs, so it’s best to explore the available insurance products for you. By talking to your insurance company in Raleigh, you know your options and the risks involved and have an expert you can rely on if questions arise.

Develop a solid business plan

Seeing your goals and strategies for achieving them will help you understand the risks and challenges you might face along the way. Thus, you get the idea regarding the kind of coverage you need. More importantly, your detailed business outline helps insurance companies qualify you for the most suitable insurance policy. On top of it all, getting funding for your business becomes more manageable when potential investors understand your strategy.

Understand the risks

Having built a business plan makes it easier to see the risks involved. When you know the risks, it’s essential to study them and find ways to prevent or bounce back from them. At this point, the right business insurance Raleigh will help cover the cost of damages. If possible, you should take a risk assessment test to help you.

Avoid buying unnecessary coverage

Sometimes, when you want to protect your company, you overdo it. Thus, you pay more for coverage you don’t need. This is why the first three tips are essential. When you fully understand how your business runs and the risks involved, you will know the exact coverage that can help you. So, you can save money by getting only what is needed.

Assess your insurance regularly

As your small business grows, your coverage needs also change. Thus, you need to reassess your insurance policy and update it accordingly.

Commercial Property Insurance Raleigh North Carolina

No matter how big or small, businesses need business insurance Raleigh policy for protection. And following the above insurance tips will help you secure your business and benefit the most from your insurance policy.

Commercial Property Insurance Raleigh North Carolina

For further reading, check out our blog posts on umbrella insurance and cyber security awareness.