Taxes

Tax preparers and bookkeepers advise clients while handling confidential and crucial financial documents daily. These professionals must have appropriate insurance to protect against the associated risks and guard their financial stability.

What Insurance Does a Tax Preparer or Bookkeeper Need?

Accounting professionals, bookkeepers and those who prepare taxes for clients need basic business insurance. Your agent may recommend the following:

• Commercial property insurance can help pay to fix or repair your company’s building or damaged contents after a covered event like theft, fire or a storm.
• Data breach insurance can help protect your company from the potential financial effects of a hacker gaining access to your electronic files.
• Professional liability coverage can help pay legal claims due to accidental mistakes made by you or one of your employees while providing professional services to clients.
• Workers’ compensation insurance can help cover medical costs and provide wage replacement for employees who suffer work-related injuries or illnesses.
• Business interruption insurance can help provide financial support for your business if you must temporarily shut down to allow for repairs after a covered event.

Depending on your coverage needs and situation, your agent may recommend purchasing a business owner’s policy, which typically combines general liability, commercial property and business interruption insurance at a discounted rate. Not every business qualifies to purchase a BOP, so consult your agent for advice.

Contact Us

Contact Super Insurance Discounts today to learn more about properly ensuring your tax preparation or bookkeeping business.

International Licensing

Notary Services

Notarization is a fraud deterrent that proves the document is authentic and the parties involved signed it voluntarily. Notary publics undergo special training and may be required to post a bond with the state where they provide services to certify the execution of documents for private citizens.

Our agency provides notary services to the community. If you need documents notarized, please contact us today.

What Is a Notary?

A notary is certified by the state to confirm and witness that the document’s signature was made by the person indicated on the form. The notary goes through a process to verify that the signer understands the document’s contents and that they are voluntarily signing.

When you need the services of a notary public, you must provide government-issued photo identification that includes your signature, such as a driver’s license or state ID, military ID, permanent resident card or passport, or identification provided by your school or work.

The notary may also verify that the information contained in the document is correct.

Who Needs Notary Services?

Certain documents must include a notarized signature before they are considered valid. Many documents subject to potential fraud may require notarization.

You may require the services of a local notary for a variety of reasons, including the following:

• Closing on the purchase of a home or another type of loan
• Creating a will, advanced directive, power of attorney, or trust deed
• Finalizing a divorce or custody agreement

How to Get Documents Notarized

While you may be able to get certain documents or certificates notarized online, many situations require in-person notarization. Each state determines whether specific documents must be notarized to be valid.

Our agency provides a variety of services, including notarization. We can help you get many document types notarized, including the following:

• Lease agreement
• Bill of sale
• Name change
• Quitclaim deed
• Lien release
• Durable power of attorney
• Advanced medical directive
• Living trust documents
• Promissory notes
• Prenuptial agreement
• Adoption papers
• Business contracts
• Protesting a bill for nonpayment
• Oaths, sworn in for testimony

Contact Us

Contact Super Insurance Discounts today to find out whether your document requires notarization and to get your documents notarized.

Builders Risk Insurance in Greenville, SC

Construction projects often have constant risks and exposures for which stakeholders must account. Even the most experienced and diligent professionals need suitable insurance to address accidents, errors and other things that could go wrong during a job. For most construction projects, builders risk insurance is an essential loss control measure.

What Is Builders Risk Insurance? 

Also known as course of construction insurance, these policies can offer specialized coverage against various incidents that could occur on a job site. Specifically, builders risk insurance payouts can often help limit out-of-pocket losses and expenses arising from the following:

• Fires

• Lightning

• Hail

• Explosions

• Theft

• Vandalism

What Does My Policy Cover?

Builders risk insurance can cast a versatile financial safety net across many aspects of a construction project, potentially helping insureds absorb losses and expenses arising from many incidents. Although policy details may vary and can often be customized to suit a project’s unique circumstances and policyholders’ needs, payouts can generally help pay for damages involving the following:

• Buildings under construction, including those being built from the ground up, as well as those under renovation

• Temporary structures, such as scaffolding and fences

• Inventory, such as materials and chemicals stored on site

• Equipment, including gear, machinery and tools

• Important documents, such as blueprints and contracts

Builders risk insurance may also reimburse insureds for indirect costs incurred due to covered incidents, such as additional fees and taxes made necessary by delays.

Who Needs Coverage?

Builders risk insurance is essential for risk management for construction projects. Although a single policy can cover multiple parties, all stakeholders should ensure they’re listed. Insureds should often include the following:

• Property owners

• Developers

• General contractors

• Lenders

• Subcontractors

• Architects

• Engineers

How to Get Builders Risk Insurance Near Me

Contact Super Insurance Discounts today to explore builders risk coverage options near you.

Rental Property Insurance in Greenville, SC

If you own rental property, having insurance is essential to protect your investment. Unlike standard homeowners insurance, which may not provide sufficient coverage for rental properties, rental property insurance is tailored specifically for landlords. Effective risk management is vital for anyone involved in property leasing.

What Is Rental Property Insurance?

Rental property coverage, also known as landlord insurance, is designed to financially protect property owners who rent out their properties. It’s important to note that rental property policies differ from homeowners insurance, as it specifically addresses the risks associated with tenants.

What Does Rental Property Insurance Cover?

The following are the typical coverage options included in a rental property policy:

• Dwelling coverage can financially protect against damage to the building itself. Whether it’s structural damage from a storm or an accidental fire, this coverage helps keep your investment secure.
• Liability coverage can help cover legal and medical expenses if you’re held responsible for incidents involving a third party on your property.
• Loss of rental income can compensate for lost income if you can’t collect rent due to a covered event, such as a fire or burst pipe.
• Contents insurance can financially protect furniture or appliances provided for tenant use. It can also financially cover personal property stored on-site for property maintenance, like a lawnmower or snowblower.

Are Rental Property Policies Mandatory?

Rental property coverage is generally not mandated by law, but it is strongly advised for landlords. Some states or local jurisdictions might have specific requirements. Additionally, mortgage lenders often require landlords to insure rental properties as a loan condition.

Learn More

Contact Super Insurance Discounts to discuss rental property coverage.

Professional Liability Insurance

Even the most careful businesses must account for the possibility of a mistake causing harm to a client or customer. A single error can have major consequences, including financial loss, reputational damage and lawsuits.

With these potential ramifications in mind, it’s necessary for all companies providing services or guidance to others to consider acquiring a professional liability insurance policy.

What Does Professional Liability Insurance Cover?

Suppose another party with whom your company does business, such as a customer, partner or client, alleges that you were responsible for an error that resulted in damages. In that case, the resulting lawsuits can be devastating. For example, if a mistake by your accounting department led to financial losses for a client, they may sue you.

Fortunately, professional liability coverage can help. In general, professional liability insurance policies can include coverage for claims arising from:

• Negligence
• Personal injury, such as libel, slander or copyright infringement
• Incorrect advice
• Misrepresentation
• Most policies can help policyholders recoup costs related to:
• Damages
• Lost revenue
• Legal representation
• Disciplinary proceedings
• Subpoena assistance

Remember, every policy is different. Work with a member of our team today to find out what a policy may cover for your business.

Get the Right Coverage

Businesses providing services for others are at constant risk of liability suits. This means that, without adequate coverage in place, a single error could devastate your finances and derail your future. Fortunately, professional liability coverage can make all the difference. Contact Super Insurance Discounts today to construct a policy suitable for your company’s needs.

Mobile Home Insurance

If you own a mobile home, having insurance coverage is essential. Like any home, mobile homes are vulnerable to various accidents and other incidents. Mobile home insurance can provide a layer of protection against the unforeseen, such as burglaries and weather damage. However, selecting the right policy can be challenging. Our agency can help you learn more about mobile home insurance so you can decide on the best coverage.

What Is Mobile Home Insurance?

Mobile home insurance is an agreement between you and your insurance provider in which you pay an insurance premium for protection against accidents or other incidents, such as vandalism. Depending on your coverage, you may be able to receive financial assistance following a covered loss.

What Does Mobile Home Insurance Cover?

Policies vary among mobile home owners, but standard coverage often includes the following:

• Property protection helps insure your mobile home and any adjacent structures on your premises (attached patio, deck, shed, etc.) against losses due to fire, windstorm damage and damage from falling objects, lightning and explosions.
• Personal property protection will typically cover losses for removable property such as electronic equipment, bicycles, furniture and clothing up to a certain amount.
• Personal liability protection covers losses if someone is injured or something is damaged on your property. A policy may pay for medical expenses for nonresidents of your home and damages or defense costs resulting from other covered incidents.
• Loss of use of your mobile home helps cover costs, such as additional living expenses, if your mobile home becomes uninhabitable following a covered event.

Contact our agency today to learn more about your coverage options.

How to Get Mobile Home Insurance

Super Insurance Discounts is ready to assist you in evaluating your mobile home insurance coverage options. Contact us today to request a quote.

Watercraft & Boat Insurance

Having the right boat insurance policy for your watercraft can be an excellent way to protect yourself from costs related to property damage and medical expenses if an injury occurs. Our agency can assist you in learning more about your coverage options so you can be financially protected.

What Does Boat Insurance Cover?

Boat insurance policies generally depend on the type of coverage you select. Regardless, common boat insurance coverages include:

• Liability coverage helps cover expenses if your boat causes damage to another person’s property.
• Medical payments coverage helps cover medical expenses if you or a passenger gets injured on your boat.
• Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
• Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.

Other coverage options may be available. Our agency can help you learn about potential coverages to include in your boat insurance policy.

How to Get Boat Insurance

Super Insurance Discounts is ready to help you learn more about boat insurance. Contact us today to request a quote or to learn more.

Condo Insurance in Greenville, SC

Although a condo association’s insurance typically covers the building’s structure and shared areas, it doesn’t extend to your personal belongings or the interior of your unit in the event of theft, fire, storm damage and other perils. That’s where your condo insurance—commonly referred to as HO-6 insurance—becomes essential. It’s designed to fill in those gaps, offering financial protection from various risks that could result in costly out-of-pocket expenses.

What Is Condo Insurance?

Condo insurance is designed to financially protect what’s inside your unit, including your personal possessions. While it doesn’t cover the building’s exterior, it typically includes coverage for items like furniture, electronics, clothing, and appliances. It may also help pay for repairs to items like flooring, cabinetry or built-in fixtures if they’re damaged by a covered event.

A standard condo insurance policy may include the following coverages:

• Personal property coverage may help cover personal belongings up to policy limits.

• Personal liability coverage may help cover legal and medical expenses if someone is injured in your unit or if you accidentally cause damage to another person’s property.

• Building property coverage (sometimes referred to as dwelling coverage on a condo policy) may help insure the interior structure of your unit, including walls, flooring, and built-in fixtures.

• Additional living expenses coverage may help pay for expenses if you’re forced to leave your unit due to a covered event.

How Much Does Condo Insurance Cost?

The cost of condo insurance may vary depending on several factors, including where your condo is located, how much coverage you choose and the value of the items you want to be covered. Your premiums may be higher if you live in an area prone to natural disasters or with higher crime rates. You might also see increased rates if you insure luxury appliances or have a history of filing insurance claims.

Get the Right Coverage

If you’re from Greenville, South Carolina, our team at Super Insurance Discounts will help you find the right condo insurance policy for you. Contact us today to get started.

Construction Insurance

Professionals in the construction industry encounter numerous hazards through their operations. Securing a comprehensive insurance portfolio can help mitigate these risks.

Our agency is ready to help you obtain the commercial insurance your business needs. Contact Super Insurance Discounts today to get started.

What Types of Construction Insurance Are Available?

If you are a carpenter, homebuilding, remodeler, plumber, electrician or another contractor in the construction industry, commercial insurance can provide coverage for several exposures and offer financial assistance if covered causes of loss occur. This can help reduce your out-of-pocket expenses. The coverages construction businesses choose vary, and several types are typically available, including, but not limited to:

• Commercial property insurance—This may provide repair or replacement costs if your business’s property is damaged or destroyed by covered perils, such as fires or storms, or if it is stolen.
• Contractor’s tools and equipment insurance—This may provide coverage if your movable tools or equipment are damaged or lost due to a covered event.
• Business interruption insurance—This may help pay for lost income if a covered peril forces you to shut down your operations temporarily.
• Liability insurance—If your business is held legally responsible for the injuries or property damage to others, liability insurance may compensate them for their losses. It may also cover the associated legal costs (e.g., court fees, settlements and judgments). Several types of liability insurance may be available, including:
  • Commercial general liability insurance
  • Products liability insurance
  • Pollution liability insurance
  • Cyber liability insurance
  • Completed operations liability insurance
  • Professional liability insurance
• Builder’s risk insurance—This may provide coverage during a construction project. It may apply to the building under construction and property at the job site or temporarily stored off-site.
• Commercial auto insurance—This may provide coverage if your business-owned vehicles are damaged or in an accident. Hired and non-owned auto insurance (HNOA) may also provide liability coverage for vehicles your business does not own but utilizes for work purposes.
• Umbrella insurance—This may provide an additional layer of coverage if a liability claim exceeds the limits of your other liability policies.
• Workers’ compensation—This may provide wage replacement or payments for medical expenses if an employee suffers a work-related injury or illness.

Other policies and endorsements may be available. Speak with our agents to discuss options, limits and exclusions.

Contact Us

Our team is ready to help you secure a comprehensive insurance portfolio that meets your business’s unique needs. Contact us today for more information or a quote.