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Are You a Business Owner? Protect It with Commercial Insurance

Do you live in Greensboro, NC? Are you a business owner? If so, do you have insurance to adequately protect your business? Glick Insurance can provide you with a quote to get your business securely insured.

As a business owner, you will probably agree that the most important part of a business operation is protecting it from financial loss. Many times, being adequately prepared for this loss can be the difference between being able to remain in business and having to close your doors.

The best thing you can do for your business is to avoid financial setbacks with a commercial insurance policy.

Businesses need insurance because it helps cover costs associated with liability claims and property damage. Without this coverage, business owners will have to pay out of pocket for any damages and legal claims against their business.

The federal government mandates that every business with employees has workers’ compensation, disability insurance, and unemployment. There is other coverage some states might require.

The most common types of commercial insurance are:

Commercial auto insurance – while some businesses will not require this coverage, it is particularly useful if the company relies on automobiles or other vehicles for business activities.

Workers compensation insurance – this mandated coverage provides wage replacement and medical benefits to employees in exchange for relinquishment of the employee’s right to sue the employer.

Business owner’s policy – this combines property and liability coverage into one policy.

Cyber liability insurance – this covers the cost of a business recovering from a virus, data breach, or other cyberattacks. It covers legal claims resulting from a breach. If a business stores sensitive data on an electronic device or on the cloud, it should have this coverage.

Give Us A Call

Our team of insurance experts at Glick Insurance in Greensboro, NC can provide a no-obligation quote or any questions you have regarding commercial insurance. Contact us today.

4 Facts about flood insurance

Swimming through all the information about flood insurance can sink you quickly.

Fortunately, Glick Insurance in Greensboro, NC can throw you a life raft. We do more than just provide policies. Our experienced team can debunk the myths surrounding flood insurance.

Here are four facts about flood insurance that you should know:

Flood insurance is for everyone.

Flood insurance isn’t just for individuals who own a home. Landlords and condo associations may have their own plans, but these typically apply to the building structure only. Any damage to the interior, like furniture or appliances, may be excluded. Renters must fill this gap with their own plans.

Flood insurance is for all locations.

Flooding can occur anywhere. No matter where you live, you are at risk. And it’s much more common than you may think. In fact, a FEMA report stated that even residents in low-to-moderate risk areas are much more likely to face a flood when compared to house fires.

Flood insurance may not be included in other policies.

Homeowners and renters policies probably don’t shield you from flood damage. This is a common misconception. In reality, flooding is probably excluded altogether. Only a specific flood insurance policy will protect you from rising water.

Flood insurance is easy to add.

It’s simple to add flood insurance to existing policies. It’s purchased and issued by local, federally-supported companies. Pricing will vary. This is determined through a risk assessment based on your location.

Contact Us Today

Floods happen when you least expect them. And disaster can strike no matter where you live. Luckily, Glick Insurance offers more than just information. Serving the greater Greensboro, NC community, our agency can help you prepare for the unexpected with a flood insurance policy. Schedule an appointment today.

Driving Safely in Colder Weather

As the leaves begin to change and the temperature begins to drop, it’s time to start preparing for colder weather. And it’s wise to brush up on your driving skills and know how to travel via automobile safely in colder weather. Glick Insurance in Greensboro, NC can assist you with getting auto insurance coverage for your vehicle as well as related advice.

Here are some safe driving tips:

Prepare your vehicle

Ideally well before the cold weather arrives, get your vehicle ready. That includes making sure your tires are in great condition and properly inflated, getting an oil change, and catching up on any other required maintenance. Make sure your windshield wiper blades are in great condition and that your vehicle’s defroster and heat work correctly. Replace any parts as needed.

Have enough supplies

Make sure you have adequate supplies in your vehicle. That includes an ice scraper, snow shovel, extra blankets, paper maps, food and water. Also, always have at least half of a tank of fuel in your vehicle at all times. Make sure you have plenty of windshield wiper fluid in your vehicle at all times.

Keep current on safe driving skills

Make sure your cold weather driving skills are up to date. Make sure you know how to drive in ice, snow, and cold weather. If needed, take a class either online or in person that covers the skills you need to strengthen. When driving during bad weather conditions, slow down and use extra caution.

Know when to travel – or not

There are times when it is just not wise or safe to travel, and it is better to stay off the roads. It is wise not to travel during times of ice, snow, high winds, and frigid temperatures. Keep close tabs on weather forecasts and current conditions.

Get Auto Insurance For Your Vehicle

For more information about safe driving and auto insurance, contact Glick Insurance serving the greater Greensboro, NC community.

How to Improve Safety Culture in the Workplace

A strong safety culture in the workplace is essential to preventing accidents and injuries. While many companies have safety policies and procedures in place, there is always room for improvement. Here are some tips from Glick Insurance on improving the safety culture in your Greensboro, NC business.

How to Improve Safety Culture in the Workplace

What is a safety culture?

Safety culture in the workplace is a set of shared values, beliefs, and attitudes that support and encourage safe behavior. It includes having clear safety policies and procedures, providing training and resources on safety, and creating a system for reporting and investigating incidents. A strong safety culture can help prevent accidents and injuries and create a more positive and productive work environment.

How do you foster a safe culture?

The first step is to ensure that safety is a priority for everyone in the organization, from the top down. Leaders need to set the tone and lead by example. They should make it clear that safety is a core value of the organization and that everyone is responsible for promoting a safe work environment.

There should be open communication about safety concerns, and everyone should feel comfortable reporting hazards and near-misses. Regular safety meetings and training sessions should be held to ensure that everyone is up-to-date on the latest safety procedures.

Incentives can also be used to encourage employees to focus on safety. For example, businesses can offer rewards for employees who suggest new safety measures or go above and beyond to promote safety in the workplace.

Give Us A Call

As a business owner, you know that protecting your company is a top priority. That’s why you need the right commercial insurance policy from Glick Insurance in Greensboro, NC. We can help you find the right coverage for your business, including business liability. Contact us today to get started.

Do You Need Insurance for Your North Carolina Home?

The home insurance agents at Glick Insurance in Greensboro, NC are explaining the importance of home insurance even though it’s not required under North Carolina State law. If you owe money on your home, you will be required by your mortgage company or bank to have a current home insurance policy to protect the investment you are lender made in your property.

Home Insurance Coverage

If you own a home in North Carolina or anywhere else for that matter, you will want to obtain a home insurance policy to protect the investment you have made in it if a horrible event occurs. These types of events can be anything from a burglary or fire to a natural disaster or an act of vandalism. If your home becomes damaged or destroyed, you will want to repair or replace it as soon as you can and a homeowners insurance policy can help you do just that.

Home insurance covers the structure of your home as well as other buildings on your property, including garages, sheds, and other outbuildings. It can also cover other structures, such as porches and decks.

A home insurance policy will also assist you in replacing any of your personal belongings and household items that are destroyed, damaged or stolen in some sort of incident. your home insurance policy can also help you pay rent at another location if you’re displaced from your home until it can be repaired.

Contact Us

To determine the adequate amount of coverage you need to have as part of your home insurance policy, contact the experienced home insurance agents at Glick Insurance in Greensboro, NC today to get your policy started!

Frequently Asked Questions about Auto Insurance in North Carolina

If you have auto insurance, you may have questions about your policy. Glick Insurance in Greensboro, NC provides the following guide. 

Auto Insurance FAQs

What do I do after an auto accident, according to my auto insurance policy?

Contact the auto insurance company that is responsible for compensating you for any damage to your vehicle and other problems. Get the names and contact information of anyone who was involved in the auto accident and any witnesses. Give the authorities and insurance companies your time and cooperation until it is resolved. Get any papers that the insurance company or authorities need, such as medical records, for example.

I have only liability auto insurance. Does this type of insurance pay for any repairs and medical bills if I were to have an auto accident? 

No, because liability insurance pays for the repairs to the other party’s vehicle or vehicles and any medical problems if you are at fault for the auto accident. 

If a college student is on your policy and will be attending college in a different state, will they still have auto insurance? 

Yes, this insurance policy is still covering the college student and their vehicle. The rate may need to be adjusted based on the new state where they would live.

If my insurance company cancels my policy, are they required to tell me why they did it?

Yes, they would need to give you the reason for a cancellation.

If you enlist in the military and are stationed in a different state, would your insurance policy still give you auto insurance coverage?

Yes, and your insurance policy will automatically be changed to have the liability limits for the new state. You may need to buy a new policy when your insurance needs to be renewed, however. 


Contact Glick Insurance serving the greater Greensboro, NC community for expert advice on how your auto insurance policy works.

How Does Commercial Insurance Differ From Personal Insurance?

Commercial insurance protects your business against various commercial risks. You may have some commercial insurance needs similar to your personal insurance, such as homeowners’ or renters’. 

The insurance policies are tailored to suit the needs of businesses that operate in the marketplace. They are not one-size-fits-all policies, and they are quite different from personal insurance plans. If you live in Greensboro, NC, consult more from Glick Insurance. 

Commercial Insurance Versus Personal Insurance 

Commercial policies protect your business against financial loss due to unexpected events, just like personal insurance. However, commercial insurance is much more comprehensive, offering a range of benefits that most individuals won’t ever need. 

A commercial cover may take care of risks such as property damage, liability, workers’ compensation, etc. You may also consider purchasing cargo insurance if you ship and receive goods across state lines. Cargo insurance covers lost, stolen, damaged, or otherwise not received goods. 

In a nutshell, commercial insurance is designed to protect assets that are vital to a company’s business. Personal insurance protects individuals and their assets. As a company owner, you have crucial assets to your business. The assets can range from real estate to inventory to company computers. Commercial insurance can protect these assets from risk and financial loss if the unexpected happens. 

Give Us A Call

Commercial insurance policies secure your business from financial loss if an insured event occurs. For example, let’s say you run a contracting company and have a team on-site to make repairs to a client’s property. One of your workers accidentally drops a piece of heavy equipment on his foot, breaking his toes. 

In an accident, your personal insurance caters for the medical expenses. If the accident makes the team unable to work for some time, the client is compensated for the delay in repairs. This loss is covered by the contracting company’s commercial insurance policy. Reach out to us at Glick Insurance in Greensboro, NC, for professional help and advice.

What You Need To Know About Home Insurance

Buying a house is a very exciting time in life. There are many factors that need to be taken into consideration when you take this big step. Home insurance should definitely be a top priority. At Glick Insurance, serving Greensboro, NC, and the surrounding area, we can help you make the best insurance choices. Keep reading to learn more about home insurance. 

Is Home Insurance Required By Law?

Home insurance is not required by law everywhere. There may be some communities or regions that do require this, but in most cases, this is not a legal issue. However, most homes that are financed through a mortgage will be required to carry home insurance. This is for the protection of the investment the mortgage company has made. 

Even if you are not required by law or a mortgage company to carry insurance, it is still the single best way to protect your housing stability. 

What Does A Home Insurance Policy Cover?

When damage happens to your home, you will be responsible for repairs or the cost of replacing your home. For many families, this would be a devastating financial burden in the event that there was widespread damage to the home or in the event that the home was lost. 

Home insurance provides a layer of financial protection so that you know you will always be able to provide a home for you and your family. 

Home insurance will kick in if the home is lost or damaged. A claim can be filed if the damage is a result of a fire, wind, natural disasters, vandalism, or indoor flooding. 

You should know most policies do not cover naturally occurring flooding. 

If you would like to learn more about our services, please contact us at Glick Insurance serving Greensboro, NC, and the surrounding areas. 

Thorough Look At Auto Insurance Policies

Glick Insurance serves the Greensboro, NC community. We strive to help our clients find policies so that they can navigate life’s risks. We work with different carriers in the area, enabling us to provide flexible coverage options. We look forward to helping you obtain the coverage you need to protect what matters most.

Thorough Look At Auto Insurance Policies

Auto insurance helps keep you safe as you navigate tricky road conditions in Greensboro, NC and beyond. Operating a vehicle comes with unique risks. Auto insurance adds a layer of protection if something were to happen while you’re on the road. Collision coverage protects you if your vehicle is damaged through impact with another driver. If you accidentally lose control of your vehicle and hurt someone or cause property damage, liability coverage protects you. You can add uninsured motorist coverage to your policy. This type of coverage protects you if your vehicle is damaged due to impact with a driver who does not have insurance. If you are riding in your car with a passenger, liability coverage also covers their medical treatment if they are injured in an accident.

Comprehensive coverage protects your vehicle in unique situations. Perhaps you are a victim of theft. Maybe you are driving through a part of North Carolina prone to high winds and debris cracks your windshield or damages your mirror. These are common situations where comprehensive coverage protects your vehicle. If you use a personal vehicle to perform work-related tasks, you can add commercial auto insurance to cover any emergencies that may occur while you’re on the job. Adding emergency roadside assistance is also recommended. Emergency roadside assistance covers you if you need urgent towing service or help with a dead battery.

Glick Insurance Helps You Cover Your Assets

Contact us today to learn more information about auto insurance.  

Why commercial insurance is good for your home business

Having your own business comes with a certain amount of risk. What that risk is, depends on the type of business you have. Choosing an independent insurance agent who has the experience to be able to help you decide what types of commercial insurance will protect you best is vital to the health of your business. In Greensboro, NC, Glick Insurance has a team of experienced agents who are ready to offer you the advice you require.

Home-based businesses now make up half of all businesses in the United States. It rises to sixty percent when it comes to businesses that have no employees. It does make sense, it is much easier to try out your entrepreneurial skills when you don’t have to worry about paying rent and utilities for a business location. But when you run your business from home, you need to handle your insurance as if it really is a business, not just a hobby. 

Commercial property insurance is something you should think about. Your home insurance might cover a few very basic things related to your business in the event of a covered peril damaging your home business, but it is not going to give you the amount of coverage you should have to cover everything you need to stay in business. 

Commercial liability is also a must if you are going to have anyone come to your home to do business. Your home insurance will not cover clients, customers, or vendors who visit your home for business purposes. 

If you use your personal auto to transact business, you should consider commercial auto insurance. Most policies won’t pay for the business use of a private vehicle. Keeping your business and personal financial responsibilities separate is good for both your business and your personal life.

Contact Glick Insurance in Greensboro, NC for all your commercial insurance needs.

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