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Is Auto Insurance Necessary if Employees Drive During Work Hours?

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There is some confusion as to whether business owners need to insure employees who drive during work hours. Is auto insurance for those on-the-clock workers really necessary?

Let’s find out.

Insuring Employees Who Drive During Business Hours

Plenty of employees drive automobiles after clocking in for work. Personal auto insurance is applicable when an employee drives their own vehicle during a break or lunch. However, circumstances change when an employee drives a company-owned vehicle while on the clock. The situation becomes even more complicated if an employee uses their personal vehicle for business purposes while on the clock, including for running errands or visiting clients. If an accident occurs in such a situation, your employee’s insurance and your company’s policy might not provide adequate protection for either of you.

If an employee gets into an accident with his or her own vehicle while on the clock, the exclusionary language of that individual’s auto insurance policy matters. Auto insurance policies, whether for personal or commercial use, often contain exclusionary language regarding business use.

Discuss Auto Insurance With Your Employees

When in doubt, do not assume. Be proactive. Speak with employees who drive their own vehicles for work in and around Cheraw, SC. Encourage them to review their personal auto insurance policies to ensure they understand the exclusions about business use and overall liability limits. If it excludes business use, which is likely, coverage might be in question.

The nuances of their personal auto policy and your business auto policy will determine whether you’re covered and to what extent.

Check Your Commercial Insurance Auto Policy

Take a deep dive into the language of your business automobile policy for clarity on the details of what’s covered if employees are involved in an accident while using a company vehicle or their personal vehicle.

If your business automobile policy is restricted to business-owned fleet vehicles, you’re likely not covered. Then it becomes a question of whether your employee’s personal auto insurance includes coverage for the business use of their personal vehicle. However, if your employees often drive their own cars for business, it’s best to protect your company by extending your auto liability protection.

Hired and Non-Owned Auto Coverage for Employees Who Drive During Work Hours

Adding hired and non-owned auto coverage (HNOA) to your business auto policy is one way to protect your liability from employees who drive their own cars. In some cases, HNOA also extends to leased or non-owned company vehicles.

Get a Quote from Ingram Insurance

Serving Cheraw, SC, the Ingram Insurance team provides the coverage you need to protect your liability exposure and operate your business with peace of mind. Give us a call at 843-537-9386. We’re happy to review your commercial auto insurance policy or provide a quote for any business need.

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Why Should You Choose an Independent Insurance Agent for Your Home Insurance?

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When you’re shopping for home insurance, it’s important to find the right agent. This is why many customers turn to Ingram Insurance, serving Cheraw, SC. We offer home insurance from many different carriers, so our customers have choices. We make it easy to shop around and find the best deal! Here’s what you need to know.

What Is an Independent Insurance Agent?

Before you can understand the benefits of an independent insurance agent, it’s helpful to know what they do. An independent insurance agent is someone who works with many insurance carriers. This allows them to shop around for policies that meet the specific needs of their customers. 

Conversely, a captive insurance agent is someone who only works with one insurance company to sell that company’s products. They may be required to meet quotas, and are limited to the insurance products offered by that company.  

Why Choose an Independent Insurance Agent When Shopping for Home Insurance?

If you work with captive agents, shopping around for an insurance policy means contacting many different agents to get quotes on different products. This can be time-consuming and frustrating. 

But if you work with an independent agent, the agent does the shopping for you. They may contact various insurance carriers to help you 

Independent insurance agents are loyal to customers, not to insurance carriers. They’re available to help with a number of insurance issues. 

Need an Independent Insurance Agent? Call Us

If you need an independent insurance agent, the professionals at Ingram Insurance, serving Cheraw, SC, are here to help. We’re known for our excellent customer service, professionalism, and insurance expertise. Contact us to get started with your quote for home insurance.

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Does Auto Insurance Cover Parking Lot Accidents?

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Most people believe that parking lot accidents follow different rules because parking lots are considered private property. This misconception often leads to the myth that your auto insurance in Cheraw, SC won’t cover damages. However, there are important facts to understand about parking lot accidents.

Traffic Rules Still Apply

Even though parking lots are private property, the same traffic laws apply as they do for accidents on public roads. If you’re involved in a parking lot accident, it’s crucial to take photos of the accident scene, file a claim, and contact the police to obtain a report. The police can help determine who is at fault, which will guide the decision on whose insurance will cover the damages.

Your Insurance Coverage Remains the Same

Your auto insurance will provide coverage for parking lot accidents just as it would for accidents on the road. If you are at fault, liability insurance will cover the other party’s damages. Additionally, collision and comprehensive coverage will function the same way. Companies like Ingram Insurance can assist you in understanding your coverage options.

Key Differences in Parking Lot Accidents

There are some notable differences between parking lot accidents and roadway accidents. For instance, police may not respond to the scene if no injuries are reported, which means you might not be able to obtain a police report. Determining fault can also be more challenging due to the lack of clear lane markings in many parking lots.

To protect yourself, document everything thoroughly. Collect the names and phone numbers of witnesses, and ask the business if they have security cameras that captured the accident. These details can be crucial in proving fault.

At Ingram Insurance, we understand that parking lot accidents can be more complex. Our experienced agents are here to help you navigate these situations. Contact us today to learn more. We proudly serve the Cheraw, SC area.

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Commercial Insurance Products Every Restaurant Owner Should Consider

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Running a restaurant requires passion, patience, and meticulous planning. While you’re busy perfecting your menu and creating a great dining experience, it’s easy to overlook the importance of having the right insurance coverage. At Ingram Insurance, serving Cheraw, SC, we work closely with restaurant owners to help protect the businesses they’ve worked so hard to build. When things go wrong, the right insurance can make all the difference.

Property Insurance is a Must-Have

Your restaurant’s physical space, whether it’s a cozy café or a full-scale dining room, is central to your business. Property insurance helps cover damage caused by events such as fires, storms, or vandalism. It can also protect the equipment you rely on every day, including ovens, refrigerators, and POS systems.

General Liability Keeps You Covered

Accidents happen, even in the best-run restaurants. A customer might slip on a wet floor or sustain an unexpected injury. General liability insurance helps protect you from the legal and financial fallout of these incidents, so you’re not left footing the bill out of pocket.

Don’t Forget About Business Interruption Coverage

If something forces your restaurant to close temporarily, such as a fire or major equipment failure, business interruption insurance can help cover lost income and operating expenses. This type of protection can be the difference between bouncing back and shutting down for good.

Let’s Build the Right Policy Together

Every restaurant is unique, and so are its insurance needs. Whether you’re just opening your doors or have been in business for years, Ingram Insurance, serving Cheraw, SC, is here to help. Reach out today and let’s ensure your restaurant is protected from the unexpected.

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Why Add Umbrella Coverage to a Home Insurance Policy?

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Mortgage lenders don’t require umbrella insurance, and not everyone needs it. However, for Cheraw, SC homeowners with specific needs, this type of insurance can make the difference between covering significant expenses and facing financial hardship.

What Does Umbrella Insurance Cover?

Umbrella insurance provides additional compensation once you reach the limits of your home insurance policy. This extra liability coverage can be invaluable for homeowners who frequently host large gatherings, as it provides additional protection against bodily injury and property damage in the event of an accident. It is also ideal for homes with "attractive nuisances," which are features that enhance quality of life but increase the risk of accidents. Examples include pools, trampolines, or even pets like dogs.

Additionally, umbrella insurance covers legal costs, settlements, and judgments if someone sues you over an incident that occurred on your property. Experts recommend this coverage for individuals with a high net worth or those owning expensive properties.

Need More Information? Call Ingram Insurance Today

A home insurance policy is essential for protecting your property and belongings, but it may not provide complete coverage for all situations. If you own valuable assets such as antiques or jewelry, you may need a specific policy to protect these items. Similarly, if your home or lifestyle increases the likelihood of serious accidents on your property, purchasing umbrella insurance is a smart decision. Homeowners who operate a business from home should also consider commercial insurance coverage.

Ingram Insurance specializes in helping Cheraw, SC homeowners find excellent coverage at competitive prices. Contact us today to learn more about our policies, policy bundles, or to receive price quotes for specific types of insurance coverage.

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Cheraw Car Owners: The Costly Coverage Mistake to AVOID!

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When driving around Cheraw, SC, and beyond, having auto insurance is essential. Unfortunately, many drivers make the same mistake—settling for insufficient coverage. This mistake can end up costing you a significant amount of money. At Ingram Insurance, we’re here to help you avoid this pitfall by building a custom policy tailored to your needs.

Understanding State Requirements

South Carolina requires all drivers to meet minimum auto insurance requirements, which focus on liability coverage for property damage and personal injury in the event of an accident. However, it’s important to understand that you can—and should—go beyond the minimum coverage.

Many drivers make the mistake of purchasing only the bare minimum coverage. When an accident occurs, they often find themselves without sufficient protection, leading to significant out-of-pocket expenses.

Building a Policy

To ensure comprehensive protection, it is essential to develop a policy that encompasses a broad range of scenarios. Basic policies often exclude coverage for incidents that don’t occur on the road, such as hail damage to your car while it’s parked in your driveway or damage caused by a rogue shopping cart at the grocery store.

Consider adding coverage options to reduce the likelihood of paying out of pocket. In addition to liability coverage, explore options such as collision, comprehensive, and uninsured motorist coverage to create a well-rounded policy.

Work with One of Our Agents

Creating a strong auto insurance policy in Cheraw, SC, involves understanding all available coverage options. Don’t make the mistake of settling for a bare-bones policy that leaves you vulnerable.

By working with our professional agents at Ingram Insurance, you’ll gain insight into the best coverage options for your needs. We’ll help you build a policy you can depend on, giving you peace of mind as you navigate the roads. Contact us today to start crafting a policy that protects you against any scenario.

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When Do I Review My Commercial Insurance Policy in Cheraw?

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Efficient business management involves maintaining appropriate insurance and documentation throughout the year to mitigate potential legal and financial risks. If you’re a business owner in Cheraw, SC, knowing when to review and reassess your existing commercial insurance policy is crucial to prevent coverage lapses. At Ingram Insurance, we assist our commercial clients in ensuring their current policies are always up-to-date and provide adequate coverage and protection when needed.

When to Review Your Commercial Insurance Policy

It’s recommended to review and reevaluate your commercial insurance policy at least once annually, or every 12 months. This allows you to assess risks, policy terms, and rate changes. Other times when an assessment may be necessary include:

  • When Hiring New Employees: Whenever you hire new employees, it’s important to consider your liability and workers’ compensation plans.
  • Relocation or Expansion: If you’re relocating your business or expanding your property, you may need additional zoning and property coverage. You’ll also want to consider potential structural endorsements and flood insurance needs, depending on your new operating location.
  • Investing in New Equipment: Whether it’s commercial vehicle fleets or a brand-new inventory, keep your equipment, inventory, and added vehicles in mind when reviewing commercial insurance policies.
  • New Products and Services: New services, such as deliveries or consulting services, may require you to update your liability profile and policy.

Understanding how to maintain your commercial insurance policy is crucial for business owners, regardless of their industry or specialty. If you’re a business owner in Cheraw, SC, there’s no need to second-guess your decisions when researching and reviewing your existing commercial policy. To learn more about your commercial policy and to request a professional review from a trusted provider, contact Ingram Insurance today.

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Does Home Insurance Cover Outbuildings?

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As a South Carolina homeowner, you’re likely aware that it’s pretty common to have outbuildings on your property. South Carolina’s temperate climate means that a great deal of living is done outdoors, so many homeowners are avid gardeners, woodworkers, and have similar interests. This means that your property may have a gardening shed, a woodworking shed, a playhouse for the kids, a man cave, a detached home office, or something else. As such, one of the questions that your insurance representative at Ingram Insurance serving Cheraw, SC is often asked is, "Does home insurance cover outbuildings?"

What is Covered?

"Other Structures" coverage typically protects detached buildings against the same risks covered for your main home, such as fire, wind, hail, theft, and vandalism. For example, if a hurricane damages your shed or a fire destroys your detached garage, your home insurance policy may help cover the cost of repairs or replacement. In South Carolina, where intense storms and hurricanes are possible, this protection is especially important.

Coverage Limits

Outbuildings are usually insured for a percentage of your home’s insured value, often around 10%. For instance, if your home is insured for $300,000, your outbuildings might have $30,000 in coverage. But if you have large or specially constructed buildings, such as a workshop with expensive tools or a horse barn, the basic limits may not be enough. In that case, you could increase your coverage by adding an endorsement.

What to Watch For

Outbuildings used for business purposes, such as a workshop where you operate a business, may require separate or additional insurance coverage. It’s essential to disclose how you use your outbuildings to ensure there are no gaps in protection.

If you have outbuildings on your property in South Carolina, reviewing your home insurance policy helps ensure they are adequately covered. A quick conversation with your agent at, Ingram Insurance in Cheraw, SC can help you and help protect all parts of your property.

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Three Things to Know About Buying Auto Insurance

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Purchasing a car for the first time in Cheraw, SC, comes with several responsibilities, including securing insurance. As a first-time buyer, it is crucial to educate yourself on what to expect when obtaining coverage to protect your new vehicle. Ingram Insurance can guide you through the process and help you find an affordable policy that suits your needs.

Deciphering the Components of an Auto Policy

Auto insurance policies have critical coverage sections: collision, comprehensive, and bodily injury liability. You’ll need to have minimum coverage in each of these areas to drive legally. Understanding what each of these terms means and what they cover will enable you to compare policy features among insurers effectively. Other terms you should familiarize yourself with include personal injury payments (PIP), property damage, and uninsured/underinsured motorist coverage. Some policies also offer roadside assistance and other benefits that enhance the value of the coverage.

Expect Higher Rates as a First-Time Owner

If you’ve never purchased auto insurance, you’re an unknown entity to insurers, even if you’ve previously been covered under a parent’s policy. Insurance companies also consider your driving history when determining rates. The less driving experience you have, the more likely you are to be involved in an accident and file a claim.

Save Money by Bundling Policies

One of the most common ways to save money on your auto insurance policy is to bundle it with other insurance lines. For instance, even if you don’t own a home, you can still receive a discount by bundling your auto policies with renter’s insurance to protect your personal belongings.

If you’re still unsure about buying auto insurance, don’t worry. The agents at Ingram Insurance, serving Cheraw, SC, will be happy to explain your policy options. Contact our office today to get started.

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Do Different Industries Need Different Commercial Insurance Products?

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Every business faces unique risks, which is why commercial insurance is never a one-size-fits-all solution. At Ingram Insurance, we work with businesses across various industries, serving the area in and around Cheraw, SC. One thing is clear: each industry has its own specific coverage needs.

Retail Businesses vs. Professional Services

A retail store has very different risks compared to a law firm or accounting office. Retail businesses deal with foot traffic, which increases the chances of customer injuries and property damage. General liability and property insurance are essential. On the other hand, professional service providers face risks related to errors in their work, making professional liability insurance (also known as errors and omissions insurance) a must-have.

Construction Companies vs. Restaurants

Construction companies handle heavy machinery, dangerous job sites, and strict regulations. Workers’ compensation and contractor’s liability insurance are critical to protecting both employees and the business. Restaurants, however, face their own set of risks, including foodborne illnesses, kitchen fires, and liquor liability. For this reason, restaurant owners need a tailored policy that includes general liability, property insurance, and food contamination coverage.

Technology Startups vs. Manufacturing Businesses

Tech startups often need cyber liability insurance to protect against data breaches and intellectual property disputes. Meanwhile, manufacturing businesses face risks related to equipment breakdowns, product liability, and supply chain disruptions. A well-rounded policy should include coverage for business interruptions and product recalls.

No matter what industry you’re in, having the right commercial insurance is essential for protecting your business. Ingram Insurance, providing commercial insurance throughout the greater Cheraw, SC region, can help you find coverage tailored to your industry’s unique needs. Contact us today to ensure your business is fully protected.

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