Does My Business Need Employment Practices Liability Insurance (EPLI)?

How do you know if your business needs Employment Practices Liability Insurance (EPLI)?  You have heard a million times that small business owners wear “many hats.”  As a small business owner you are well aware just how many hats you wear because if you are like me (owner of O’Connor Insurance) there are some days […]

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How To Take Your Home from Cookie Cutter to Custom

If you just bought a new house or are looking to update your current home’s decor you have to check out a new video blog one of O’Connor Insurance’s clients just started called Cookie Cutter to Custom.  In the videos, Laura gives her input on how to make your home go from boring to custom.  She […]

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Adding Your Teen to Your North Carolina Auto Policy

Every day we get calls from clients whose son or daughter will be getting a learner’s permit or driver’s license soon asking questions about the process and the rates.  There are lots of variables so it is always a good idea to call your agent to discuss your personal situation before you make changes. Here […]

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Read This Before You Renew Your Workers Comp

Workers Compensation Renewal Checklist Are you dreading your upcoming workers compensation renewal?  If you manage to find something else to do every time you consider digging through your policy to check for changes you will be glad you took a moment to read this article.  You may even feel like pulling out your declaration pages […]

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Safe Driving 101

In recent months, our office has seen an alarming number of accidents.  It is common knowledge the best way to prevent your auto insurance from rising is not to have an accident but did you know there are a number of things you can do to prevent both causing an accident and in some cases, […]

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How to Keep Your Auto Insurance Rates as Low as Humanly Possible

Daily we get ask by clients if there is any way to reduce their auto insurance rates.  The actual rate is set by the insurance carrier and has a number of factors built into it.  Some of the factors include things you as the consumer are unable to control like living in a city where […]

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5 Ways Insurance Can Blow Up Your Closing and What You Can Do About It

This video is especially for my Realtor and Mortgage Broker friends.  Realtors and Mortgage Brokers are all too familiar with closings that literally blow up at the last minute.  There are some things you should know so insurance doesn’t blow up your closing.  After all your hard work you deserve to have a happy client […]

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New Webinar Series for Real Estate Agents and Mortgage Brokers

O’Connor Insurance is very excited to announce a new series of webinars designed especially for real estate agents and mortgage brokers.  An important part of our mission at O’Connor Insurance is to educate.  Helping consumers and business owners understand insurance allows them to make the best buying decisions for their families and businesses. Real estate […]

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Giving Your Valentine the Gift of Life Insurance

Not exactly a gift in a beautiful box filled with a sugary goodie tied with a bow on it right?  While life insurance many not be what you would typically consider a gift; statistics show a third of people wish their spouse or partner had life insurance or wish they had more of it.  Have […]

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Best Sites for Photo Storage Backup

A lot of New Year’s Resolutions revolve around getting organized.  If you surf Pinterest you will see millions of ideas for getting your house, closet, car, basement, attic, kitchen, bath and just about anything else you can think of organized.  There are also countless Pins for getting your paperwork and photos organized after you get […]

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Business Lessons from 17 Years in Business

Thank You for 17 Years! On every business anniversary, I reflect to the day O’Connor Insurance Associates officially hung the proverbial “Shingle” (or open sign).  The business was started by Terry out of our spare bedroom.  That is the norm now but back in 2000 there wasn’t a lot of talk about virtual space.  It […]

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Are Your New Gifts Covered On Your Insurance?

What gifts did you and your family receive over the holiday season?  Such a busy time of the year that most people don’t stop and think the gift you just got may need some additional insurance.  There are 3 things you need to think about when you are considering additional insurance. Could the item create […]

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New Year New Resolutions or Expected Results?

It’s January so talk of new year’s resolutions is in full swing.  Read a great article about it.  Rather than making “resolutions” or setting “goals” Jeffrey Gitomer suggests we drop our resolutions and goals and refer to what you want as “my intended and expected achievement.”  Think about it if you are just throwing a […]

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8 Tips for Keeping Your Pets Safe During the Holidays

Little furry friends are especially vulnerable during the holiday season.  With all the good food, decorations and company in the house it is easy for our pets to be put in danger.  Here are 8 things you can do to keep your pets safe: Just Say NO to Chocolate: Keep all the food out of […]

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Thought You Knew How to Protect Your Home from Burglars? Think Again.

Think you have heard it all when it comes to how to protect your house from burglars?  This exclusive news piece from a station in Oregon, KGW8, is nothing short of fascinating.  The KGW8 news station sent questionnaires to 86 inmates serving time for burglary in the Oregon Department of Corrections. There is a short […]

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4 Things You Don’t Want to Leave Home Without While Traveling

Just this week in the news there were several major pileups on interstates across the United States.  One pileup hit just a little too close to home.  My parents were just about to get on Interstate 90 in Erie, PA when the interstate was closed.  Folks around Erie, PA are well versed in traveling in […]

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Nominate Your Favorite Small Business and #ShopSmall on November 26th

There is a lot of advertising hype surrounding shopping on Black Friday.  Ads have been “leaked” ahead of what has become a shopping holiday.  But, have you heard of Small Business Saturday? We want to create a shopping buzz around the many amazing small businesses. This year Small Business Saturday is on November 26th. Here […]

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Everything you need to be prepared for your Workers Compensation Premium Audit

Prepare for Your Workers Compensation Premium Audit Workers compensation audits are routine for any business that has workers’ compensation insurance.  There are lots of things you can do throughout the year and immediately before the audit to make the process painless.  More importantly if you keep up with this all year long you drastically reduce […]

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October is National Fire Safety Month Fire Prevention & Safety Tips

At ISU O’Connor Insurance Associates we know how important it is for your family to fully understand the magnitude of fire safety.  Below are 6 things for you to do this month to ensure you family stays safe! Smoke and carbon monoxide detectors – make sure you have at least one on each floor, to […]

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Answering The Million Dollar Question: How Much Life Insurance Do I Need?

One of the hardest things to imagine is how much money your family would need if you were no longer here. People that work have an estimation based on what they earn but anyone that stays home knows while the job description is amazing the pay is in kisses and hugs not dollars. Makes it […]

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Life Insurance: The Story You Need to Read About the Insurance You Need

No one really wants to talk about life insurance. Most people feel as if uttering the very words may make a black cloud suddenly form over your head.  Many of our clients feel that exact same way.  Over the 16+ years that O’Connor Insurance has been in business, we have paid six life insurance death benefits. […]

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5 Things You Need to Know About Life Insurance Before You Start the Process

Technology has changed a lot of things in our lives.  We are accessible 24/7 via our phones, tablets, email the list goes on and on.  Information is available at our fingertips.  You want to know about the Australian Dingo just pull up a web browser on any of your devices and instantly you can see […]

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5 Questions Savvy Business Owners Need to Ask Themselves about Life Insurance

Most discussions about life insurance are focused on spouses and children not businesses.  Your business together with your employees and customers are your second family.  If you are a savvy business owner these are the top 5 questions you should not just ask yourself but take the steps to have an answer for: Will my […]

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1st Day of School from Mom’s Perspective

The 1st day of school has arrived.  It is always a mix of emotions for me.  By this time of the summer my household needs a little “structure” but I am sad our summer fun has come to an end.  Back in May when I was trying to figure out child care and balance that […]

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7 Home Insurance Coverage Differences You Need to Know Before You Have a Claim

Insuranceez?  That is what it sounds like to most people when you hear terms like HO3 and HE7/21. The terms refer to different home insurance policies available in North Carolina.  If you are like most people your home is the single biggest asset you will ever purchase.  You want to make sure you have it protected and covered […]

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5 Ways To Stay Cool in Extreme Heat

The heat index in Charlotte has been brutal for the last couple of weeks.  It is hot when we wake up and hot when we go to bed.  Not much relief in sight for cooler temps.  Makes me long for October. Do you know what the head index is?  It is defined in a quick […]

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No Matter What The Weather We Are Here To Service You: O’Connor Insurance’s Emergency Plan

This summer North Carolina has seen a fair number of thunderstorms complete with winds that have knocked out power in various parts of town. Our office has not be affected.  We wanted you to know our emergency plan if we should ever have an emergency that renders our office without power or Internet. Phones:  Our phones […]

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Read This Before You Drive Your Car With a Passenger In It

This past Saturday I grabbed the mail and started to quickly shuffle through. I almost passed on opening a letter from my car manufacturer thinking it was a solicitation for the next tune up.  When I opened the letter I was surprised to learn my car was part of the massive airbag recall that is […]

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3 Key Things to Consider When Hiring a Commercial Insurance Agent

As a business owner hiring new employees is something you are very familiar with.  In order to have a growing and prosperous business, you have to have great team members that treat your clients the way you want them to be treated.  Surrounding yourself with quality employees drives your growth and success. Your insurance agent […]

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5 Ways to Keep Your Dog Safe in the Heat

They don’t call it the Dog Days of Summer for no reason. Summer heat is already upon us and it is only June!  While I am not a huge fan of it being 95 degrees with 65+% humidity my sweet little doggie, Lucy is really not a fan.  As soon as the temp spikes she […]

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Attention: Erie Insurance Clients Do You Have A Road Trip Planned?

Are you insured with Erie Insurance Group? If you are take a look at your declaration policy and see if you have Roadside Assistance on your cars.  The coverage is very inexpensive on both personal and business policies.  If you have it put this information in a safe place for future reference.  Erie Insurance has […]

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Working Mom Juggles Multiple Balls

School is finally out for the summer. Months ago I started thinking about how to juggle being a Mom for the summer with running a business where I work full-time.  Is it possible that I can do both?  Every summer since my 10-year-old was born I have tried to find some kind of home/work balance.  […]

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Don’t Leave Home With Out These Emergency Items for Your Car

When I turned 16 back in 1990 my Dad showed me the emergency car kit and gave me the basics for lighting a flare and jumping a car. Yup I actually do know how to use jumper cables. He even showed me how to change a tire and where the tire iron and spare tire […]

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6 Things You Need to Know if You Witness a Car Accident

Last month we shared tips about what to do if you are involved in an accident. You can check out the blog 8 Steps To Take When You Have a Car Accident if you missed it. Now let’s talk about what you need to do if you witness an accident.  According to Erie Insurance 5.4 […]

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Please Drive While You Are Driving Driving Distractions – That Will Scare the H-E-double hockey Sticks Out of You

As a mother, wife, sister, and insurance agent people’s driving habits are on my mind more than the average “normal” person.  If someone speeds (and I am not talking about 39 in a 35) on the parkway by my house I am worried that not only my life but the lives of my friends and […]

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How Are Auto Rates Set in North Carolina

Last night on Nextdoor I noticed a post from a concerned neighbor about auto insurance increasing. The post went on to say the insurance carrier said it was because of a state rate increase.  There was a lot of confusion from other neighbors about what that meant and if it was factual.  I love that […]

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8 Steps to Take When You Have a Car Accident

According to insurance industry statistics the average person has a car accident every 17.9 years. Considering most people are average to above average drivers it is natural to assume you will forget what to do if you find yourself in the unfortunate situation of having a car accident. According to the North Carolina Driver’s Handbook […]

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5 Things You Need to Know Before You Hire a Contractor

Storms hit the United States pretty hard this past week.  If you have some damage to your business or home and need to have a contractor take a look you have to read this article before you call one. The process of hiring a contractor is a tough one.  Whether you are hiring someone to […]

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Independent Contractor or Employee? Answering 2 Simple Questions Can Save Your Business from Financial Ruin

When you started your business I bet you never contemplated all the different things you would have to learn in order to make your business a success.  Even if you started with just one person out of the spare bedroom in your house I am sure you quickly realized you had a need for departments.  […]

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Do You & Your Employees Know the Rules of the Road?

Having moved to North Carolina from Pennsylvania I was shocked when I found out I had to retake the driver’s test. Most clients can’t believe it when we tell them that is necessary to obtain your North Carolina Driver’s License.  The truth is if I hadn’t had to do that I never would have learned […]

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Is Your Business on FIRE?

Have you heard O’Connor Insurance is the corporate sponsor for a podcast called Carolina Business on Fire? Podcasts are awesome internet radio stations that are on demand to you.  The best part is you can listen to them over and over again since they are archived and you can share them.   As owners of a […]

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2016 Referral Thank You

A Referral is the highest compliment a business can receive from a customer. Refer a friend who allows us to review their insurance needs, who owns a business, has a home and cars or a life insurance need to O’Connor Insurance Associates and you will receive a $10 thank you gift card from either Starbucks […]

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Do I Need Uninsured and Underinsured Motorist Coverage?

The name of the coverage sounds like it came directly out of an insurance text book right? While the name is complex the coverage itself is relatively straight forward and if you live in North Carolina not very expensive. If you look at your auto declaration page, you will see a line item that typically […]

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