Financial Planning
Homeowners Insurance North Carolina 2025
Read time: 5 minutes | By SIA Group | Last Updated: August 2025 | In this article, we’ll discuss important factors to consider when choosing homeowners insurance in North Carolina. Homeowners Insurance Going Up Owning a home in North Carolina comes with plenty of pride — and plenty of risk. From hurricanes on the coast…
Read MoreThe Hidden Risk in Subcontractor Agreements—and How to Insure Against It
In industries like construction, HVAC, electrical, and roofing, subcontracting is essential. But buried in many subcontractor agreements lies a dangerous risk: liability exposure that could fall back on you. If your subcontractors are underinsured—or uninsured—you could end up paying for their mistakes. In 2025, with rising legal costs and claim severity, that’s a risk you can’t afford…
Read MoreWhy Commercial Property Claims Are Rising in 2025—and How to Stay Ahead
By SIA Group | 4 min read | Published August 6th, 2025 As we move through 2025, commercial property owners are facing a sharp uptick in insurance claims. From weather-related damage to vandalism and water loss, the risk landscape is shifting—and premiums are rising to match. If your business relies on brick-and-mortar locations, understanding this trend…
Read MoreCommercial P&C Prices Up 5.1% in Q3, Umbrella Leading the Pack
Commercial property and casualty insurance premiums rose by an average of 5.1% in Q3 2024, with umbrella pricing showing an uptick amid rate moderation in most other lines, according to the Council of Insurance Agents & Brokers (CIAB). Market conditions for Q3 held steady from the previous quarter, CIAB noted in its latest report, with…
Read MoreLife Insurance Awareness Month
Life insurance may not be the most exciting topic, and it might feel like an unnecessary expense. However, if you have loved ones who rely on your financial support, life insurance is essential for their protection. In the event of your passing, your designated beneficiary would receive a financial benefit. To help you navigate the…
Read MoreProtecting Your Loved Ones: The Importance of Life Insurance
Life insurance is a topic that often gets pushed to the back burner. It’s not the most exciting thing to think about, and some may view it as an unnecessary expense. However, when you have loved ones who rely on you for financial support, life insurance becomes a crucial tool for safeguarding their future in case of unforeseen circumstances. Let’s delve into the basics to help you better understand the significance of life insurance.
Read MoreUnderstanding Health Insurance Deductibles
A deductible in health insurance is a predetermined amount that you are required to pay before your insurance provider begins sharing the expenses for covered medical services.
Read MoreComparing Embedded and Nonembedded Deductibles
It is crucial to comprehend how your health insurance deductible operates, and family coverage typically involves two fundamental types of deductibles. Knowing the specifics of your deductible type can assist you in preparing for potential out-of-pocket healthcare costs.
Read MoreUnlocking Value: Benefits of Bundling Your Commercial Policies
Insurance carriers recognize the cost-effectiveness of offering additional coverage lines to existing customers, fostering longer-term relationships. While this strategy benefits carriers, it also holds significant advantages for their customers. Similar to bundling personal home and auto policies, combining business policies goes beyond cost savings. Businesses can explore multiline discount options by consulting with their insurance…
Read MoreNavigating the Financial Horizon: A Comprehensive Small Business Financial Planning Guide for 2024
As the dawn of 2024 approaches, small business owners are gearing up for the challenges and opportunities that lie ahead. Essential to this preparation is the development of a robust financial plan, acting as a guiding compass for success. In this blog post, we’ll delve into the essential steps that will help you navigate the…
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