If you are a small business owner offering group health insurance for your employees, you may be eligible to receive a health care TAX CREDIT to help you provide the coverage for them, starting with tax year 2010.
If eligible, your business can receive a federal tax credit for up…
It’s important to keep a home inventory — especially these days, with the popularity of flat-screen televisions, iPhones, video games and other expensive electronics.
But the process can be time-consuming and difficult. The Insurance Information Institute’s Know Your…
Daylight Savings time is almost upon us and the catchy phrase “spring ahead” signals change for Americans. It’s a reminder to move clocks ahead one hour for daylight savings time. With these seasonal changes, millions take on “spring cleaning” of homes, garages, and yards. When…
An insured’s experience modification, which affects their annual premium, was set at 1.13 by the National Council on Compensation Insurance (NCCI). Our claims department determined that NCCI used incorrect expense payments to create this modification. As a result we had the expense modification was adjusted to a…
Our client had a workers compensation claim when their employee was severely injured. The insurance company was investigating the claim and things were at a complete standstill. The claimant was 30 days post accident with no answers regarding coverage from the company. Peoples First had numerous conversations…
Our insured had a large fire which destroyed storage building housing multiple pieces of equipment and tools. Due to policy limitations, the company was restricting certain areas of coverage. Peoples First researched the carrier position and demonstrated their position was flawed. As a result, our client…
One of our large manufacturing clients was involved in a serious auto accident resulting in a large amount of specialty tools being damaged. The insurance company was resisting paying Replacement Cost (without deduction for depreciation) for the damaged tools. Peoples First took the position that the policy…
There are a variety of reasons to purchase life insurance, but they all come down to peace of mind. Whether you purchase life insurance to help your family financially continue with their plans for the future or to cover the cost of burial, a life insurance premium is a…
Life insurance is an important decision that you make for your family and loved ones. Visit your independent insurance agent to determine the type and amount of coverage right for you.
When making a decision about term or permanent life insurance, it is important to think about your financial and…
If you were to become injured or seriously ill, who would pay your medical bills? Health care costs are skyrocketing, and most families can’t afford to pay for all of their health care needs out-of- pocket. Just like insurance on your home or your vehicle, health insurance provides you…
There are three main types of health insurance coverage:
Indemnity plans are often called out-of-pocket plans because you initially pay for all medical services out of your pocket. After your medical visit, you are responsible for filing claims with your insurance company….
The percentage of active adult retirees is continuously increasing, and York County is ranked as one of the top 10 places for people over the age of 60 to relocate. The county provides a small-town atmosphere and is still only about 40 minutes away from Charlotte. Many relocate to…
The county is adjusting to the increased need for health care systems and providers to meet increased demand. Health care is accessible, as well as affordable. However, it is important to make sure that you have the proper insurance policy in place. This will help protect both you and…
If you are thinking about assisted living now or in the future, it is important to take several items into consideration. The cost of assisted living, as well as long-term care in nursing homes, has continued to increase over the past several years. Keep in mind that there may…
Nearly every minute of every day, a car accident occurs. What would you do if you were involved in a car accident and your vehicle required serious repairs? Could you afford to pay those repairs out of your own pocket? Can you continue to make your car payments while…
Auto insurance varies from company to company. The names of the coverage options may change slightly, but you can expect to see the following options when you buy an auto insurance policy.
Many of these options carry deductibles. A deductible is a portion of the damages that you are required…
Auto insurance can be purchased at an independent insurance agency, such as People’s First. When you visit People’s First, you will meet with an independent insurance agent who will discuss your coverage needs and budget with you to determine the amount of coverage that is right for you.
Whether your…
On average, the purchase price of a hybrid is $2000 to $4000 higher than a standard fuel vehicle.
In terms of insurance, research shows that most hybrid owners are safe drivers and are a lower risk. The majority of consumers who are willing to pay more to own a hybrid…
When it comes to students at college, nearly one third of them have a car.
Determine whether your existing insurance coverage will still cover your child while away at college, as well as wether your existing coverage is enough. Most likely your child will be able to remain on your…
What would you do if you came home from vacation to find that your home had been robbed? Your TV is gone, your computer, and many of your personal belongings. Would you have the money to replace it all? What if your home were damaged by a tornado or…
Homeowner’s insurance varies from company to company, but a basic policy typically covers your home and outbuildings or other structures on your property. Your homeowner’s policy may also include:
Many people moved to Fort Mill to escape from the crowded Charlotte atmosphere. The area allows them to live in a small-town atmosphere, with the luxury of being only 18 miles from the city of Charlotte, which is about a 30 minute drive.
The insurance rate for a home is…
Commercial insurance protects your business from unforeseen occurrences, such as crimes and natural disasters. Also, if you have employees working for you, it is important to discuss coverage for workers’ compensation.
For business owners it is important to mitigate risk. Having the optimum insurance policy in place is a major…
Many consumers have seen a rise in the cost of insurance along the coast of South Carolina in recent years.
Over the past several years the Carolinas have become increasingly popular, especially properties near the beach areas of South Carolina. Due to the remarkable increase in growth and development in…
If you are considering getting a pool, you need to contact your insurance representative to discuss the added liabilities and additional coverage for having a pool in your yard. Having a pool presents additional risks that will increase your premium. A pool is considered to be an “attractive nuisance.”
Some…
For centuries life insurance has been first and foremost insurance: It provides a death benefit to the family or business partners of an insured person.
Beginning about 30 years ago, the attractive returns in stock investments led insurance companies to bring investment elements into life insurance policies. For example, agents…
Insurance is for the uncertainties of life. Accidents and castastrophes happen. What cannot be predicted is when they will occur and whom they will affect. Most people understand they will get sick at some point in their lives, but they cannot predict the severity and extent of the illness…
Insurance is simply a vehicle for transferring risk from one party to another. You need insurance if you have financial risk (and everyone does) and you want to reduce that risk. To do so, you pay someone else (the insurance company) to assume much of the risk for you,…
Do Your Homework: When hosting a holiday party, individuals should look to the liability portion of their homeowners or renters insurance policy to protect them if they are sued and found liable for an accident involving a guest who drank at their home. Consumers should regularly review their liability…
Peoples First would like to welcome Michelle S. Isola to our commercial department. Michelle has extensive knowledge of the insurance industry and over 20 years of customer service experience. She and her husband, David, and their daughter recently relocated from Charlotte, North Carolina. We are so happy to have Michelle become a part of the [...]
If you are a small business owner offering group health insurance for your employees, you may be eligible to receive a health care TAX CREDIT to help you provide the coverage for them, starting with tax year 2010. If eligible, your business can receive a federal tax credit for up to 35% of your health [...]
Peoples First would like to welcome Alexander Galloway. Alexander graduated recently from Davidson College with a degree in psychology. He is currently serving as an Operations Associate and has the wonderful designation of being a fourth generation descendant of the original founder of Peoples First. Welcome, Alexander!
