Why Most Businesses Don't Reopen After a Serious Loss...

Winston-Salem, NC 9/4/2012

Consider the snow storm that took the Northeast by surprise in October, 2011. Overnight, thousands of businesses were without power and couldn't open for days, and in some cases, weeks.  Listen to Martin Hurwitz' story, owner of Harvest Bakery (Bristol, CT), and how having Off Premises Utility Services (OPUS) coverage helped him "weather the storm".
Off Premises Utility Services is just one of the Business Income options that we offer. We make it easy for you to help us tailor the coverage you need to your specific type of business. Many of our Business Income options can be purchased separately or as part of an endorsement.
Think all Business Income coverages are the same? Think again. 
• We Automatically include Continuing Payroll Expenses as part of our Business Income product; and
• We Offer Extended Business Income for up to one year.
Don't forget about our Business Income options designed for the unique needs of healthcare practices that reduce, and in some cases eliminate, the paperwork associated with filing a business income loss - a real time saver.
To Learn More...please contact us.
 

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What's New

Wilson Insurance Services Team!
2/22/2018

 Our newest team photo!

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What You Should Know About Rental Car Insurance
2/1/2018
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
  • Theft of the Vehicle
  • Tolling, or Turning the Vehicle Over
  • Lease Gap coverage
  • Loss of Use
  • Glass, Tire and Undercarriage Damage
  • Animal Collision
  • Flood and Hail Damage
  • Damage above the Windshield
  • Individuals who rent personal vehicles for extended periods and do not have a Personal Auto policy in force
  • Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
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The Five Costliest Traffic Tickets for Auto Insurance
1/15/2018

Those whirling blue lights in the rearview mirror usually mean just one thing: It's traffic ticket time. The worse the violation, the more your car insurance costs may rise because it's more likely you'll be considered a bigger risk to the insurer.  Rack up a combination of the nastiest violations plus a few accidents, and insurers may even refuse to cover you, says Loretta Worters, spokeswoman for the Insurance Information Institute, a trade group.

 
It boils down to matching the premium you pay to your risk as a customer, says State Farm spokesman Dick Luedke. "Sometimes you get lucky and violate (traffic laws) a lot and don't get caught, and sometimes you do it once, and you are caught," he says. "That's why we use all sorts of other things to measure risk as well." So it's tough to say how much your insurance premiums will rise per violation. Different insurers calculate premium costs differently, Worters says. With the help of experts, including J. Robert Hunter, insurance director for the Washington, D.C.-based Consumer Federation of America, we now identify what are considered the five worst traffic violations for your insurance bills:
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