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Kempton Insurance Group

7427 Matthews Mint Hill Rd
Suite 105-356
Charlotte, NC 28227

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Common Misconceptions About Commercial Insurance

As a small business owner, you know that insurance is essential for protecting your business. But when it comes to choosing a policy, there are so many options and terms that it can be challenging to know where to start. In this post, we’ll dispel some of the most common misconceptions about commercial insurance so that you can make an informed decision about what’s best for your business.

1. Commercial Insurance Policies Are All the Same

While there are several standard commercial insurance options, each policy has different benefits and exclusions that can make a world of difference. For example, one policy may cover you for business interruption, while another won’t. One policy may cover certain types of damage to your property, while another won’t. One policy may cover certain types of liability suits, while another won’t.

2. I’ll Be Safe if I Do Everything by the Book

Whether you have employees or are a one-person shop, it’s essential to ask yourself if all of your bases are covered. Even if you have the best employees, accidents happen. If an uninsured accident occurs on your property and someone is injured, not only will you likely be liable for damages (pain and suffering, medical bills), but your business will also suffer. On the other hand, if you purchase coverage for this type of event, you’ll be protecting your self from financial disaster.

3. Commercial Insurance Is Expensive

While it’s true that more extensive policies will carry a more substantial fee, don’t let insurance prices scare you. There are ways of ensuring that your policy fits your needs without breaking the bank. For example, if you’re starting and can get by with minimal coverage, you can opt for a policy with lower premiums. Or, you can ask your agent to add endorsements to the policy to give it some extra perks without going over budget.

Commercial insurance policies are not all the same, and it’s important to choose your coverage wisely. If you want to ensure that your business is protected, Kempton Insurance Group in Charlotte, NC can help. We offer affordable commercial insurance options such as property, liability, general liability, and umbrella coverage. Give us a call today.

Common Motorcycle Insurance Variables To Look Over Policies

Kempton Insurance Group serves the Charlotte, NC community. We strive to ensure that our clients find the coverage they need to manage their risks. We offer unique policies that evolve with our clients as their lives change. We work with different carriers throughout the state. This allows us to find solutions regardless of our client’s individual needs. We are confident that we can help you stay protected as you head through life.

Common Motorcycle Insurance Variables To Look Over In Policies

Charlotte, NC provides multiple opportunities for you to explore the city on your motorcycle. Warm summer days are the ideal conditions you need to take a ride. Unfortunately, an accident can occur at any moment, especially in highly populated areas. Motorcycle insurance covers you as you ride around town. You are protected if your motorcycle is stolen or vandalized. Perhaps you are riding through the country and encounter a deer. Motorcycle insurance will cover you if you collide with a deer and damages occur. You can add comprehensive coverage to protect you if your motorcycle is stolen. Maybe you are riding and pass through inclement weather. You are covered if high winds cause swirling debris to crack your mirror.

Liability coverage protects you if you lose control of your motorcycle and damage someone’s property or injure someone. If you are riding with a passenger, liability coverage will take care of their injuries if you are involved in an accident. If you are planning to amend your motorcycle, you’ll need to add extra coverage. This is the only way to cover the custom parts on your motorcycle if it’s damaged or stolen.

Kempton Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

What is Medicare Supplement Insurance?

For those who are new to Medicare supplement insurance, you’re in the right place. Today we’re going to discuss what Medicare supplement insurance is, how it can help, and if you should consider it for your own insurance coverage. 

The staff at Kempton Insurance group is very knowledgeable and experienced in dealing with medicare supplement insurance and we’re happy to help residents of Charlotte, NC with any questions or concerns. 

Similar to any other insurance plan, healthcare insurance plans often have gaps in coverage. These vary from plan to plan, but they can be substantial for some people, causing out-of-pocket costs to increase. 

Because Medicare plans often have gaps in coverage, supplement insurance helps to ensure that more of your medical bills are covered to save you money. If you’ve seen the gaps in your healthcare coverage and it’s made you worry about how you would pay for medical bills, Medicare supplement insurance is a great option for you. 

There are some things this type of insurance won’t cover, however. These include eye care, dental care, and a few other specific types of care. However, our agents can help you find a dental and eye care plan that works for your needs. 

Healthcare can be a financial burden on many families – don’t let it control your life. Supplemental insurance is a great way to protect yourself and your family. It also provides peace of mind should you ever need medical attention, it won’t devastate your financial situation.

The team at Kempton Insurance Group is here to help Charlotte, NC residents and their families any way we can. We know health insurance can be overwhelming, so we’re here to provide our guidance and support. Contact us today! 

How RV Insurance Works

When you own an RV, you need to have it insured for your own protection. It’s legally mandated to have RV insurance when you own an RV, but even if it weren’t, it’s smart to get this coverage. If you have an RV and need to get it covered by an insurance policy, call us now at Kempton Insurance Group in Charlotte, NC.

RV Coverage

If you ever drive your RV, it has to have liability insurance just as a car or truck would. There are minimum coverage amounts required by the state, and you can add to that if you want better coverage than the minimum. RV insurance is a little different from auto insurance, however. The insurance covers not only the vehicle portion of the RV but also the living section. There is generally coverage for your belongings that are inside the living area, and you can add coverage for any equipment that you keep in your RV. 

The Cost of RV Insurance

Like auto insurance, the cost of this insurance is partially dependent on your driving history, your age, etc. There are also the state minimums of coverage, the make and model of your RV and its year. Another factor in the cost is the class of your RV. They come in Class A, B and C, with the classifications dependent on the size and design of the RV. From small campers to 75-foot motor coaches, all RVs fit into a classification. Make sure that you know how yours is classified so that you can tell your insurance agent. Another cost factor is the deductible that you choose. 

Get Your RV Insurance

If you have an RV, always keep it covered by RV insurance. If you don’t yet have a policy, call us today at Kempton Insurance Group in Charlotte, NC. 

4 Benefits Of Motorcycle Insurance

Kempton Insurance Group serves the Charlotte, NC community. For over 10 years, we have helped our clients find policies to protect their assets. We offer custom policies that change as our client’s needs evolve over time. We have working relationships with multiple carriers throughout the South.

4 Benefits Of Motorcycle Insurance

Motorcycle insurance covers you against the risks associated with operating a motorcycle. Accidents can happen at any time. All it takes is one crack in the road, and you could suffer a serious injury or harm others. Liability coverage protects you if you accidentally damage someone’s property, or injure someone. Comprehensive coverage protects you if your motorcycle is vandalized or stolen. You are also covered if your motorcycle is damaged due to severe weather moving through the Charlotte, NC area. Here is a look at some other unique benefits of motorcycle insurance.

Covers Your Passengers

Perhaps you enjoy taking your friend with you for a ride on your motorcycle. In the unfortunate event that you are involved in a crash, motorcycle insurance covers any necessary medical care for your passengers if they are injured. You can add personal injury protection to cover any injuries that you sustain.

Emergency Breakdowns

Motorcycle insurance covers emergency breakdowns. You can have peace of mind if your engine or transmission starts having issues.

Towing Service

If your motorcycle shuts down, you can receive urgent towing service to get you back on the road as soon as possible.

Storage Coverage

Even when you aren’t operating your motorcycle, it’s still at risk for possible damage. You can add storage coverage to protect your motorcycle against possible damage when you aren’t using it.

Kempton Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

Questions to ask when buying boat insurance for the first time

Buying boat insurance is not always a straightforward process, especially if you’re doing it for the first time. However, you need to get the right amount of insurance to stay safe in the water, whether you do it for pleasure, sports, or other reasons. Some marinas at Charlotte, NC may require you to have boat insurance to allow you to dock with them.

Your lender may also require you to get boat insurance to safeguard their investment when buying a boat. That’s why Kempton Insurance Group recommends learning about your policy by asking the following questions.

Do I need boat insurance for my boat?

Nobody will arrest you for not having boat insurance in Charlotte NC. However, it’s always a prudent idea to be financially responsible in case you cause an accident. You may be eligible for a boat endorsement on your home insurance policy if you own a small boat. Large motorized boats require specialized insurance based on your lifestyle and type of boat.

Can boating experience affect my policy?

Yes. Like car insurance, boating insurance companies check your boating experience to rate your risk level and determine your insurance rates. The lesser your experience, the more expensive your policy gets. You should prove to your insurer that you can safely handle and navigate a vessel without much hassle.

Is my personal property covered?

Yes. You can have special personal property coverage if you keep lots of valuables in your boat to protect them. Most water sport enthusiasts who have to take their sporting equipment with them purchase this policy to help replace their personal property when damaged by water or stolen.

The more questions you ask, the better you understand your policy. At Kempton Insurance Group, we encourage our customers to ask any questions they might have to address and clear all doubts about any policy. Feel free to contact us for more questions or information.

3 things you didn’t know about umbrella insurance

Umbrella insurance was designed to provide an extra layer of liability protection on top of primary policies like home and auto insurance. Lawsuits in Charlotte, NC can be pretty expensive. They can easily lead to significant financial losses if you are not adequately prepared. Here are three things you probably don’t know about umbrella insurance. 

1. Not ALL lawsuits are covered

While umbrella insurance mainly works on liability, not all lawsuits are covered. Once your home or auto insurance limits have been reached, Umbrella insurance can come in and take care of the rest. However,  the policy may not cover you if the act was found to be intentional or criminal. That means acts such as sexual harassment, intentional bodily harm, property damage or damage and injuries that result from too much intoxication are not covered. Umbrella insurance is designed to protect you from lawsuits that result from accidents, not malicious acts.

2. Some dog breeds are NOT covered

Dog bites are quite common in Charlotte NC but pretty expensive to treat. It’s even worse if you’re sued.  Fortunately, umbrella insurance can cover dog bites, BUT not all breeds are covered. Be sure to ask any Kempton Insurance Group about the breeds covered to know if your pet is covered or not.

3. Certain risk factors can impact your coverage

The most attractive part of umbrella insurance is a liability. Some people are at a higher risk of getting slapped with a lawsuit than others. Remember, you can be sued for many reasons, including injuries, property damage, threats or giving wrong information, false advertisements, and many other reasons. Depending on your risk level and type, you may want to buy umbrella insurance if you are a landlord, own dogs, travel regularly, own a swimming pool, gym, or trampoline,  or entertain visitors more often.

At Kempton Insurance Group, we care about you and what matters to you most. That’s why we go out of our way to ensure you get an insurance policy that will protect your assets and loved ones. Feel free to call or visit us today!

Does Flood Insurance Cover Plumbing Failures?

Some people get confused about their flood insurance policy and think that they need to utilize it when their plumbing suddenly fails in their homes. However, when our customers call us at Kempton Insurance Group about this issue, they often find that they can’t get covered. If you live in or near Charlotte, NC and are confused about this situation, please learn more about your protection.

What Flood Insurance Does and Does Not Cover 

Flood insurance is designed specifically for natural disasters, such as excessive rainfall caused by sudden storms or winter melts. However, these floods can cause problems as diverse as mold throughout your carpets and various other factors that can be damaging and hard to overcome. 

Unfortunately, it will NOT cover plumbing failures, such as if your pipes suddenly fail on you for any reason. That said, your homeowner’s insurance policy WILL cover this type of damage. The failure must not have been caused by poor maintenance, neglect, or natural wear and tear issues. 

So if you own a home and experience a sudden failure of your plumbing system due to manufacturing failure or other issues that you don’t cause, talk to your home insurance company. As for your flood insurance, you’ll only need it in rainy seasons or when your home is affected by water from outside the house. 

Don’t Neglect Your Flood Protection 

If you are worried about plumbing-related issues causing floods in your home, make sure to check your home insurance policy. And if you live in an area with high flood risk and you’re worried about an unnaturally high level of water, it is a good idea to consider calling us at Kempton Insurance Group. We serve Charlotte, NC and can provide high-quality policies that will work for your needs.

How Condo Insurance Protects You

Owning a condo is a great way to own your own home without all of the maintenance of a yard. If you have a condo, it’s vital that you keep condo insurance from the time you buy your unit and keep it for as long as you live there. If you want to find out more about condo coverage, contact us at Kempton Insurance Group in Charlotte, NC.

Protect Your Condo

When you have a condo insurance policy, part of this protection is coverage for the building itself. However, it doesn’t cover the entire building. The portion of the building that you own is spelled out very specifically in your contract. Those are the portions of the building that you need to insure. This generally means that you insure the inside and the condo board insures the outside. Your condo policy will include only the exact areas that you own and are responsible for. 

Cover Your Belongings

All of your belongings that are inside your condo are also covered by your condo policy. If your possessions were to be ruined by a disaster, calamity or accident, it can all be covered by your condo insurance policy. When you move into your condo, it’s a good idea to go around your home and film or take pictures of the items you own. This will help you to prove what was inside it if the worst happened. 

Liability Coverage

Another portion of your condo policy is the section that is devoted to protecting your liability. If a third party were to visit your condo and then become injured inside it, you can be judged liable for the accident and the medical costs. This insurance pays that amount for you.

Cover Your Condo

If you don’t have condo insurance yet, contact us at Kempton Insurance Group in Charlotte, NC.

How Much Life Insurance Do I Need?

What do you want to leave behind for your family? That is the question that many people ask themselves when they are deciding how much life insurance to purchase. If the answer is "a lot," you should focus on buying enough life insurance coverage.

If you’re wondering how much life insurance you need, Kempton Insurance Group in Charlotte, NC has put together this guide for you. To figure out how much life insurance you need, take into consideration these factors:

Income: Income is the number one factor to determine how much life insurance you need. If your income does not change, you will likely be fine with a smaller coverage because there are fewer needs for it in that situation (i.e., funeral costs). However, if your income changes often or drastically from year to year, more protection may be needed when determining life insurance amounts.

Debt: If you have a lot of debt, there may be more need for life insurance to pay off the debts and provide money for your family in case something happens to you before they can get back on their own feet financially.

Dependents: If you have children, the more dependent they are on your income, then higher life insurance would be appropriate.

Your situation: If you’re single with no kids, a lower level of coverage may suffice depending on how much wealth and assets you own.

Health: Your health status will determine how much life insurance you need. If you have a chronic condition that could affect your ability to work, then you would want more coverage than if you were in perfect health with no special needs.

Get Adequate Life Insurance Today

Many families spend time trying to save money on their funeral and end up putting off purchasing life insurance until it’s too late. This is a huge mistake because, without adequate coverage, your family may not have enough money for expenses like housing or education after you pass away.

For more information about life insurance coverage in Charlotte, NC, contact Kempton Insurance Group.

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