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The Hoffman Agency, LLC
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You can purchase commercial general liability insurance as a stand-alone policy, as part of a Business Owners Policy (BOP) or as part of a Commercial Package Policy (CPP). Consult with your insurance professional about what type of coverage you need and how much.
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Doing the right thing is always a good idea.
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"Smartphone-addicted drivers are facing more scrutiny from North Carolina insurers who say distracted driving is causing more wrecks."

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"Here are the Charlotte hangouts that throw open the doors when the weather is nice:"

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We can help you find the right insurance to protect your business from cyber threats. Call (704) 280-8585 to learn more.

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Every business faces different risks. Here's what owners of home-based businesses need to consider:

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The term encumbrance covers a wide range of financial and non-financial claims on property by parties other than the title-holder. Encumbrances prevent the property owner from exercising full – that is, unencumbered – control over his or her property.
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"When answering whether you need business insurance you should compare your potential risks vs what it would cost to handle these and determine whether you could afford to do so out of pocket."

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Tornadoes can strike with little or no warning at anytime and anywhere. Make sure you are prepared:

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Typically, you can use your existing insurance policy for many different needs including paying off a mortgage in case of death of the insured. Credit life insurance is sometimes recommended when selecting an installment loan for purchasing new vehicles or expensive appliances or even in the case of debt consolidation.

Credit life insurance almost always more spendy than term life insurance. Also, if you already have sufficient coverage through your regular policy, it is usually not advised because of its relatively high cost.
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