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Trout Insurance Blog

What is Business Property insurance?

7/17/2019

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Running a business is never as smooth sailing as everyone thinks, just ask Bob who was caught up in a series of unlucky events that forced him to close his construction company. The first incident that Bob experienced was after he had locked up the offices after a long day at work on a Wednesday, only to realize on the Thursday morning that some of his personal and business electronics had been stolen. After searching the premises for anything else that had been stolen, he found out that some tools that his workers used in construction had been stolen too. In days following that incident as Bob was trying to find enough money to replace all that was stolen, a fire at the company broke out. Nobody was injured, but the fire destroyed valuable papers and business documents as well as a lot of furniture. As Bob was trying to get his company out of this financial ruin, a middle-aged lady came in to enquire about potential construction that she needed to occur on her home. While she was leaving the premises, she tripped and landed awkwardly causing her to fracture her left arm. This incident required legal action on behalf of Bobs company and cost the company a lot of money that they did not have at the time. 
Although Bobs incidents do seem like a string of bad luck, they are all very possible. If Bob had Business insurance maybe he would not have needed to close down his company since most of the costs would have been covered.  
To find out more about Business Insurance call a Trout Insurance Agent today and help your business stay safe. 

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The Five Types of Medicare Part C

7/2/2019

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Are you in anyway unhappy with the Medicare part A&B that you have? Well Medicare Part C may be the perfect option for you, which is known as Medicare advantage. What a Medicare advantage does is that it helps cover medical costs, doctors' visits and other medical services plus prescription drug coverage if wanted. When you want to sign up for Medicare Part C it is important to understand the 5 different plans that are available: 
  • Health Maintenance Organization (HMO) plans- These plans provide coverage for doctors and hospital that are within your plans network, only in the case of emergencies can you be covered outside of the network.  
  • Preferred Provider Organization (PPO) Plans-These provide more flexibility than HMO plans, some coverage will be provided for out of network doctors.  
  • Medicare Advantage Special Needs Plans- These plans are designed for people who need a large amount of medical care, can even include nurse practitioners and care managers. These plans combine hospital care, outpatient care and coverage for doctor’s office visits in a single plan 
  • Private Fee-For-Service (PFFS) Plans- In these plans you are allowed to see any medical care provider who accept your terms and conditions for payment. Some of these plans do not include prescription drug coverage ( Medicare part D)  
  • Medical Savings Account (MSA) Plans- These plans combine Medicare part A&B and are funded with a savings account. 
For more information about Medicare Part C, speak to a Trout Insurance Agent today

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Trout Insurance Services
Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787
     
Ph: 828.279.4681
Fax: 1-888-221-4842
dtroutinsurance@aol.com

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Privacy Notice Statement  | Privacy Policy
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Trout Insurance is a full line insurance agency based in WNC. We serve clients in North and South Carolina as well as national companies. Trout Insurance offers life, health, disability, Medicare supplement, Medicare Health Plans, Medicare Prescription Plans, Long term care insurance, Home and Auto insurance for individuals. For businesses we offer group health & benefits, commercial liability, property & worker's compensation as well as plans for business owners. 

Dave Trout, Jan Trout, Jessica Cody and Jeremy Sheridan are independent insurance agents with Trout Insurance.  Dave Trout specializes in life and disability insurance, Medicare supplement insurance, and commercial business insurance. Jan Trout specializes in Medicare Products. Jessica Cody, specializes in individual health, personal home and auto, small commercial and Medicare.  Jeremy Sheridan specialize in Group Health and Employee Benefits, Commercial, Health, Life and Medicare 
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  • HOME
  • Coverage
    • All Medicare Plans
    • Health Insurance 2020
    • Short Term
    • Home & Auto Insurance
    • Life Insurance
    • Social Sec Replacement
    • Dental Insurance - Cigna
    • Personal Insurance >
      • Disability Insurance
      • Critical Illness
      • Long-Term Care
      • Annuities
    • ObamaCare
    • Business >
      • Group Health Insurance
      • Employee Benefits
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
  • Our Agents
    • Dave Trout
    • Jan Trout
    • Jessica Cody
    • Jeremy Sheridan
    • Steve Dillingham
    • Ralph Redpath
  • Contact Us
  • About Us
    • Meet Our Staff
    • About Us
    • Trout Insurance on Main Street
    • Reviews
  • Blog
  • Insurance Companies
    • Life, Health, All Medicare Plans, Long Term Care, Disability
    • Personal Lines
    • Commerical LInes
  • Welcome to BC 2020
    • 2019 Verification-a
  • Value
  • Lost Subsidy
  • Renewal 2020
  • Music on Main
  • Manna Fundraiser
  • AFLAC
  • Privacy Policy
  • BCBS Online Setup