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20 Chesterfield Hwy
Cheraw, SC 29520

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How commercial insurance can save your small business

All businesses face risks daily, but small businesses are more vulnerable because they don’t have the same assets as large businesses. No insurance can protect your business from every risk, but commercial insurance is designed to offer the most protection possible. At Ingram Insurance in Cheraw, SC, we are independent insurance agents with the expertise and experience to provide our customers with the level of service they expect. 

Not every small business will need every type of potential commercial insurance, but some types are universally useful. 

Commercial property insurance

Commercial property insurance will cover the building where your business is located if you own the building, but it does more than that. It is valuable even if you are renting your location, it covers the things you use in your business. That can be things like office equipment, inventory, display units, raw materials, tools, and anything that you need to conduct your business. 

Commercial liability insurance

Being sued is one of the most common risks that all business face. You can be sued by an unhappy customer, by someone who was injured while visiting your business, or by something that you produce. You can even be sued by an employee who is unhappy. All of these pose dangers to your business’s survival. Commercial liability insurance will pay a judgment against you and legal costs up to the limit of the policy. 

Worker compensation insurance

The state of South Carolina requires that businesses that employ four or more employees provide worker compensation. There are some exceptions for casual workers who don’t work regular hours and employers who have a payroll of less than $3000 annually. Worker compensation protects workers but also employers. 

Contact us

When you are ready to discuss your commercial needs, give us a call at Ingram Insurance in Cheraw, SC. 

Four reasons why carrying home insurance is a priority

If you own a home, you need home insurance. Insure your home in Cheraw, SC with the insurance coverage we offer at Ingram Insurance.

There are plenty of good reasons to carry home insurance.

The following are four reasons why carrying home insurance is a priority:

You have to carry home insurance.

Most homeowners are required to carry home insurance because they are paying off their mortgage loans. If you still owe money on your mortgage loan, you have to carry home insurance. 

Your home is your most valuable possession.

You have to invest a lot of money in owning a home. In fact, a home is the most valuable possession of many consumers. That’s why consumers need to insure their homes and protect their value to keep themselves in good financial condition.

Being uninsured is a cause for concern.

You could be leaving yourself at risk of financial problems without home insurance. It can be stressful to own a home, but carrying home insurance can help to minimize the risk. Homeowners can enjoy peace of mind if they carry home insurance. 

You face liability risks as a homeowner.

Homeowners shouldn’t assume that they’ll never face a lawsuit due to an accident in their home. Lawsuits are more common than you may expect.

Home insurance is important for covering any costs you incur as a result of a lawsuit against you. If you don’t have home insurance, you’ll have to pay out of pocket for all these costs. 

Reach Out To Us

Get in touch with us at Ingram Insurance to get the home insurance coverage that you need. We’ll provide you with a quote for coverage on your home in Cheraw, SC. 

Tips for Helping You Stay Awake When Driving Late at Night

If you are driving a long distance, you may want to drive late at night when there is less traffic. However, it can be challenging to stay awake when you are driving late at night, especially if you are alone or the occupants of your vehicle are sleeping. Here are some tips from Ingram Insurance, serving the greater Cheraw, SC area, that can help you stay awake as you drive late at night. 

Tips for Helping You Stay Awake When Driving Late at Night

Get Some Exercise

Exercise helps to pump blood within your body and boost your adrenaline and serotonin levels, helping you to stay awake. Do five to ten minutes of jumping jacks, complete short sprints, or even walk for 10 to 15 minutes before driving at night or when you have to stop for food or the bathroom. 

Chew Gum

Chewing mint gum can help to stimulate your nervous system, which helps you to be more aware and helps your reaction times. As such, you should try to chew gum when you are behind the wheel late at night to help you stay awake and alert.

Stay Hydrated and Fueled

Being dehydrated or not well-fed can lead to you feeling sleepy or drowsy behind the wheel. As such, if you are going on a long road trip or if you are driving at night, you should always stay hydrated and fueled. However, instead of reaching for sugary snacks, try to eat healthy snacks and drinks. Select snacks that have plenty of protein, as this will help prevent a sugar crash that is associated with carbs and candy. 

Reach Out To Us

Falling asleep behind the wheel is a leading cause of accidents. As such, you want to take preventative measures to help you prevent falling asleep behind the wheel. And speaking of preventative measures, having the right auto insurance coverage for you is a must in case you are involved in an accident. The team at Ingram Insurance, serving the Cheraw, SC area, can help you with all of your auto insurance needs. Call us now to get started. 

Do I need commercial insurance if I become a Multi Level Marketer?

Starting a business always comes with risks, and if you’re considering a multi-level marketing (MLM) career in Cheraw, SC, you may need commercial insurance. While MLM companies usually cover their independent consultants’ general liability insurance policy, Ingram Insurance recommends calling us to make sure you are fully covered.

Types of Coverage

While MLM businesses don’t require the same kind of coverage as traditional brick-and-mortar stores, you still need protection. One of the essential types of commercial insurance is General Liability Insurance (GLI), which protects you against claims of bodily injury or property damage caused by your business operations. Another type of insurance you might want to consider is Product Liability Insurance to cover any claims of injuries caused by the products you sell.

Know Your Company’s Insurance Policy

Before purchasing commercial insurance for your MLM business, check the company’s policy, which covers it as part of the company package. If your company includes liability insurance, you must review its limits and conditions to ensure you’re adequately covered.

Benefits of Having Commercial Insurance

There are numerous benefits to having commercial coverage for your MLM business. Firstly, you’ll have peace of mind knowing that your business is safeguarded against any unforeseen risks. Additionally, you may be able to secure new clients and work opportunities since you have comprehensive coverage. Finally, obtaining a liability policy shows a sign of responsibility and professionalism to your clients and partners, which can help build trust in your brand.

Reach Out To Us

While your MLM company may provide liability insurance, it is important to understand that this may not be enough. If you are in the Cheraw, SC area, contact Ingram Insurance, and we will help you get the right coverage for your MLM business.

When to review your home insurance policy

Your home insurance policy needs to be reviewed on a regular basis. Just as you change over the years, your home insurance needs change as well. At Ingram Insurance in Cheraw, SC we are here to help with any questions you have about your home coverage. 

When your policy renews 

When your home policy renews, it is the perfect time to take a look at your declaration page and make sure that all the figures make sense. Is your deductible right? Do you have the endorsements you need to protect you against things your policy might exclude? All the figures will be right there for you to look at. 

When you make major changes

Have you made any major changes to your home? Added square footage, added another bathroom, finished the basement or attic? All of these can increase your square footage and increase the value of your home at the same time. Give your insurance carrier the information they need to give you the coverage that is right for you. 

When your income changes

It is one of Murphy’s laws that the more money you make and the more assets you have, the more people will sue you for. If your income has risen significantly since you took out your home insurance policy, consider upping the liability coverage and maybe consider an umbrella policy. 

When your liability changes

Have you added a swimming pool to your home?  Gotten your kids a trampoline? Found a four-legged friend you can’t live without? These are all things that can raise the risk of your being sued and needing more liability coverage. Talk to your insurance agent asap. 

Reach Out To Us!

Contact the office of Ingram Insurance in Cheraw, SC and let us help you to review and make adjustments to your home insurance coverage. 

What auto insurance coverage is required in South Carolina?

Driving in South Carolina is a pleasure, but like anywhere else, it can be risky. Making sure that you have the right auto insurance is important. At Ingram Insurance in Cheraw, SC, we are an independent insurance agency. We can offer our customers more choices since we offer many different carriers. 

Auto Insurance Requirements

The auto insurance that is mandated by the state of South Carolina is 25/50/25. That is all liability coverage. $25,000 is for the first injured party in an accident that you are responsible for. The $50.000 is the total for all injuries in that accident, with an additional $25,000 for property damage. It is important to protect other people from you, but that doesn’t leave anything to protect you from an accident where you are at fault. 

If you don’t have a car loan, you can get basic liability insurance. But if you have a loan or a lease, you have to have additional insurance that the lender or the lessee will require. You will need to protect your car, so comprehensive and collision coverage is required. 

If, like most people, you use your vehicle every day, having it damaged so that you can’t drive will be a hardship. If you have the money to fix your vehicle or replace it yourself, then you don’t need to have auto insurance no matter where you live. But, if you can not do that, then having auto insurance will allow you to purchase a new car if necessary or get the repairs that your car needs to be made. 

Contact Us Today

Give us a call or stop by Ingram Insurance in Cheraw, SC to get a quote for auto insurance coverage or to ask us any questions you may have. 

Types of commercial coverage that most business can benefit from

Owning your own business comes with an incredible amount of risk. Most small businesses fail within 10 years. The best protection you have is commercial insurance. At Ingram Insurance in Cheraw, SC, we know commercial insurance, and we are in a position to find the best policies to meet your needs. We can offer more choices, and we will match you up with the right coverage.

Important commercial coverage options

Commercial property insurance

It is an absolute necessity for any business to have commercial property insurance. Commercial property insurance covers the building if you own it, but that isn’t all it covers. It covers all the things that you need to do business. It can be tools, machines, office equipment, display units, inventory, raw materials, etc. With this insurance coverage, you will be able to get back into business quickly without having to lose a lot of income. 

Commercial liability coverage

Businesses get sued, it is the nature of being in business. It can be a dissatisfied customer, a disgruntled employee, or someone who gets injured while visiting your location or by a product you produce. If you are involved in legal action, it can be expensive for legal assistance as well as having to pay any judgment there might be against you. It could be enough to put you out of business if you don’t have the available cash to pay for it. 

Commercial auto insurance

If your business owns even one vehicle, you need to have commercial insurance. If you use a personal vehicle to transact business, your insurance may not cover you if you are in an accident. It isn’t worth the risk. 

Workers Compensation 

In South Carolina, if you have four employees or more, you must cover them with workers’ compensation insurance. 

Give Us A Call

Contact Ingram Insurance in Cheraw, SC when you are ready to get the coverage your business needs. 

What Types of Hazards Does Homeowners Insurance Commonly Not Cover?

It’s important to secure the proper insurance for your property so that, in the event of an unforeseen circumstance, you may receive the reimbursement you need. Homeowners insurance is not a requirement under Cheraw, SC law, but your lender will usually require it until your balance is paid. 

What Types of Hazards Does Homeowners Insurance Commonly Not Cover?

Flooding is a common occurrence that can be devastating to your foundation and frame, creating vast water damage and eroding the structural integrity of your home. This hazard is one that was covered in decades past, but that became too expensive for insurance companies to continue including. 

There is now a national program that handles situations involving flooding, and your Ingram Insurance representative can help you obtain specific indemnification to protect against these events. Mudflow can also potentially fall under your flood insurance hazards. 

Earthquakes are another peril that will need its own separate dedicated policy, particularly if you live within the state of California. This is categorized under the movement of the earth and can also extend to situations like sinkholes.

Residents of other states besides California can sometimes purchase an add-on or an endorsement, but it is nevertheless a coverage type that cannot be assumed to be part of a standard homeowners policy.

Other problems that are usually exempt are overflowing sewage systems or sump pumps and malfunctions that occur due to owner neglect. Rot and mold as well as insects and pests, chewed wires, termite infestations, and rusting are, likewise, often outside the scope of coverage. 

Ingram Insurance Can Help You

We are specialized in providing superior insurance products and services to our clients, and we invite you to reach out to us by phone, internet or stop by the office to discuss your needs. Ingram Insurance serves those who live in and around Cheraw, SC. 

How to Choose the Best Auto Insurance for Your Hybrid or Electric Car

Hybrid and electric cars are powered by electricity instead of gasoline or diesel. To get the best auto insurance for your hybrid or electric car, it’s essential to understand how these vehicles differ from gas-powered cars. Ingram Insurance in Cheraw, SC is here to assist with all related queries. 

Auto Insurance Options for Hybrid and Electric Cars

Although hybrid and electric cars differ in their makeup compared to gasoline-powered autos, each vehicle type requires auto insurance coverage according to their state’s legal requirements.

Below are four types of insurance coverage available for today’s high-technology vehicles:

  1. Liability Coverage – when SC drivers buy liability insurance, they are buying protection from lawsuits that may be filed because of an accident. For example, this coverage will pay for the costs of a lawsuit if someone is hurt due to your car crashing into theirs.
  2. Bodily Injury – includes injuries to people inside the car, such as passengers or drivers. This type of cover typically pays for medical expenses and other damages sustained by those involved in the crash.
  3. Property Damage – covers losses suffered when something inside or outside your car is damaged by an accident or the theft of items inside the vehicle.
  4. Comprehensive and Collision Coverage – protects drivers from all loss types, including those not caused by an accident and the costs associated with being involved in a crash, regardless of who was at fault.

Get Auto Insurance for Your Hybrid or Electric Car 

If you are in the market for auto insurance for your hybrid or electric car, Ingram Insurance can help! 

We offer a wide variety of policies to fit all budgets and needs, so you can be sure you’re getting the right coverage. Contact us today to learn more about auto insurance in Cheraw, SC.

The Difference Between General Liability and Professional Liability Insurance

Are you interested in getting liability insurance? If you are, it’s important that you understand the difference between general liability and professional liability insurance. Knowing this will help you get the liability coverage that is right for you. We at Ingram Insurance, serving the greater Cheraw, SC community, want to help you make the right liability insurance choices. 

Here we break down the difference between general liability and professional liability insurance:

General Liability Insurance

To start off, liability insurance covers your company against liability risks. It provides you with protection against claims resulting from situations where you could be held liable.

As for general liability, it covers physical risks.

General liability helps cover:

  • Bodily injury claims 
  • Medical payments
  • Property damage
  • Reputational harm
  • Advertising errors

Therefore, most small business owners will benefit from general liability insurance coverage. It covers the common risks that may occur in business. 

Professional Liability Insurance

Professional liability insurance covers you if you’re found liable for the professional services you provide. This includes professional advice and contractual services. In addition, it will cover you against claims of negligence or misconduct. 

This includes:

  • Negligence
  • Bad advice
  • Delays
  • Errors
  • Loss or theft of service

The Main Difference

Basically, the main difference between these two liability coverages comes down to what is covered. While general liability covers physical risks, professional liability covers more abstract risks. 

Furthermore, professional liability covers your business from risks not covered by general liability insurance. Therefore, if your business provides contractual services or offers professional advice, you should consider professional liability. 

When choosing liability coverage, you need to consider your business services and needs. You want to protect your business in case of liability. 

Get The Right Coverage Today

Contact our team of insurance experts at Ingram Insurance in Cheraw, SC to find out more about general liability and professional liability. 


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