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C.T. Lowndes & Company Blog: insurance

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The only way to really know if a flood or potential flood is a threat to me personally is through reporting by my local news and media.   FALSE. Local news and media are good sources of information but are subject to outages and interruptions. Wireless Emergency Advisories are available on your mobile device, and are free. READ MORE >>

The term “100-year flood” means a flood event might occur only once every 100 years, “500-year flood” once every 500 years, and a “1000-year flood” once every 1000 years.   FALSE. These terms, from the 1960s, are rather outdated and misleading misnomers. READ MORE >>

Following up on the last blog, instead of crashing into a tree, your out-of-control crashes into your neighbor’s 2018 Lexus, causing a good bit of cosmetic damage, scratches, dents, etc. Will your homeowners policy pay for the damages to the Lexus? READ MORE >>

 Having proper insurance for your drone operation is very important. Things to know: ·         “Whole Coverage” means insuring the drone itself (it crashes and is a total loss) plus general liability (it crashes and damages someone property or hurts someone). READ MORE >>

Does your Business utilize a Drone? If your business is currently using a drone in its operations or if you are contemplating the purchase and use of a drone, here are some thing you should know. ·         A drone is classified as an aircraft. READ MORE >>

POSITION RESPONSIBILITIES: A Commercial Lines CSR and/or Account Manager assists in the support and production on new commercial lines accounts and the retention of existing accounts. In addition to providing exceptional customer service, additional responsibilities for this position include, but... READ MORE >>

This is a brief explanation as to how to understand Motor Truck (Truckers) Cargo insurance. Motor truck cargo Insurance protects the goods that you are hauling from damage and theft. Your client (the owner of the cargo) will want to make sure their goods arrive safely at their destination or that you have insurance in place to reimburse the client if the goods do not make it. READ MORE >>

   As truckers ply the roads of South Carolina from Myrtle Beach to Charleston to Summerville and Walterboro and beyond, they use some interesting terminology to describe their rigs and industry.   These terms provide an interesting look as to how the trucking industry works. READ MORE >>

First of all, in our politically correct climate, the term Motor Carrier is just the new and more acceptable name for what we used to call Truckers. There is a multitude of abbreviations regarding Truckers regulations and Truckers insurance and it can all be very confusing!! READ MORE >>

The Revision of the flood maps for Edisto Beach and unincorporated areas of Colleton County near Edisto Beach in South Carolina establishes a new Base Flood Elevation (BFE) for almost all properties. Is the BFE important in rating a flood policy? READ MORE >>

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