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Home Insurance
Coverage
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Personal belongings: Have expensive jewelry? A state-of-the-art entertainment center? A family heirloom? These belongings can be added to your policy.
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Personal injury: Homes can be rowdy places. Children play. Friends and family come over to visit. And accidents do happen. Make sure everyone who steps foot in your door is covered in your home insurance policy.
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Other structures: If you have an old barn, a pool house, a work shed, or any other kind of detached structure, these can also be added to a policy.
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“Loss of use:” This is a term referring to a period of time where you have to secure another living arrangement. If your house floods or there’s a fire, you do not want to just have the damage covered; you also need to have the funds to be able to rent another space until your home is restored to a livable state.
A home is usually the most valuable asset people own. Not insuring it is a major mistake and people often only realize this after an incident has occurred. The Craig Insurance Group offers coverage to homeowners in the greater Triangle area, including Raleigh, Durham, Cary and Chapel Hill. Residents in this area can rely on home insurance if and when disaster strikes.
Common causes of home insurance claims
It doesn’t take a lot of creativity to imagine situations where these areas of coverage are necessary. Some common issues include:
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Theft
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Flooding
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Falling limbs or trees
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Storms (whether winter ice storms or hurricanes)
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Vandalism
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Fire
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Accidents
INSURANCE
LOCATION & HOURS
Location
Hours
Monday - Friday
8:30 am to 5:00 pm
Saturdays by Appointment Only
Having insurance is a great way to protect your assets, but that's not the only reason to have auto insurance. In the state of North Carolina, you're required to carry auto insurance to drive legally. This is to ensure that you can cover any damages to another party's vehicle in the event of an accident.
The important thing to remember about legal requirements regarding auto insurance is that you only need to have liability insurance. As long as you can cover property damage and medical bills for the other party, you're good to go.
Car Insurance
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Auto Insurance – Get the right insurance coverage for your car, truck, van or
other vehicles.
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Motorcycle Insurance – Ride safe and insure your motorcycle.
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ATV and Motorsport Insurance – Insurance policies that cover all your toys.
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Classic Car Insurance – Your classic car is an icon. Insure it well.
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RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
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Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
6224 Fayetteville Rd, Ste 106A, Durham, NC 27713
Norman.Autry@craiginsgroup.com
Tel: 919-443-9563
Fax: 919-544-8485
Life Insurance
The Craig Insurance Group offers a variety of life insurance policies from Nationwide Insurance to those living in Raleigh, Durham, Cary, Chapel Hill and the greater Triangle area. It may be hard to think about, but we are all only on this earth for a short time. When you pass on, you will leave both loved ones and bills behind. Life insurance is the only way to insure the former (family) doesn’t get stuck with the latter (debt).
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
Commercial Insurance
No two companies are the same, and we understand each policy needs to be as unique as the business. Businesses are exposed to a variety of risks, and the types of risks depend on the industry businesses operate in, among other factors. For example, it’s always wise to have coverage from “acts of God” such as hurricanes and floods, as well as health care coverage for your employees, but even these will be unique to your business.
General Liability & Property Insurance
The purpose of general liability insurance is to protect you and your business from liability for damages on your property, damages by your employees, or damages people may experience while using your products or services.
Property insurance has more to do with covering your business and assets, rather than someone else’s person or property that you are liable for (like with general liability insurance). Your property may be damaged in a variety of ways, and property insurance is designed to pay for any repairs and replacements should these occur.
Business Interruption Insurance
If your business needs to shut down for a period of time at no fault of your own, after a break-in, vandalism or a natural disaster for example, you can lose days’ worth of revenue. Business interruption insurance can cover this period until you are able to reopen.
Workers Compensation
U.S. states, including North Carolina, have laws regulating workers compensation insurance. In North Carolina the law requires any company with three or more employees to have a workers compensation policy. This is not only important in order to remain in compliance with the law, but to also protect your employees in case they are injured on the job.
Professional Liability Insurance
When you offer your goods or services on the market, you are liable to lawsuits for negligence. “Errors and omissions” that are deemed to be your fault in a civil court will be your business’ responsibility. Professional liability insurance covers your losses in these cases.
Commercial Auto Insurance
Just like your personal home and vehicle need to be covered, any property you operate from or vehicle used by the business should be insured. The Craig Insurance Group insures business with custom commercial auto insurance plans designed for the coverage of their operations.
There are many types of businesses, so commercial auto coverage will greatly differ between a trucking company, a flower delivery service, and a restaurant for example. It is likely that all of these will require some type of auto policy though.
Raleigh, Durham, Chapel Hill, and Cary business owners can call 919-443-9563 or stop by our office in Durham to determine what coverage is necessary for your business.