BOP it: Don Bullard and business insurance coverage

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Business owners may find that they need extra coverage to protect their investments and recover quickly from unexpected events. Don Bullard, a Wilmington, North Carolina-based insurance agent, provides business owners with business insurance coverage to help them protect their investments.

Unforeseen events such as lawsuits are a danger to a business and its capital resources. Regardless of its size, businesses have little chance of withstanding heavy financial blows without some form of financial protection. Hence, business owners often find themselves in need of a comprehensive insurance policy to protect their investments and to assure its future growth and development.

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Commonly known as a business owner’s policy (or BOP), this insurance protects the business and the time and effort its proprietors have given it. Don Bullard offers BOPs that are flexible and can be tailored to the specific requirements of a business. The coverage he and his firm offer include property insurance, general and excess liability, vehicle coverage, workers compensation, and group benefits.

No business is invincible from the ravages of accidents and lawsuits. Being ensured, though it may seem confusing to the business owner at first, can make all the difference for a business in the event of unforeseen circumstances.

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Further information on BOP and many other insurance coverage options can be accessed from the official website of Don Bullard Insurance.

Don Bullard Insurance: Building mutual relations with clients

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Tim Milam, president of Coldwell Banker Sea Coast Realty, has been partnering with Don Bullard for over 15 years to work on his personal and business insurance needs. As the main resource for Tim’s insurance requirements, Don has developed opportunities that helped him display excellent performance despite fluctuations in the finance sector. “He has helped so many of our over 300 sales associates of Sea Coast Realty and has become the ‘go to guy’ for our insurance needs,” says Tim.

Don Bullard, a Wilmington-based insurance executive, provides competitive insurance products and services to locations such as Corolla and Calabash. He is renowned for being compassionate to his clients and for providing them with reliable services. Thus, there is no question why he ranks among North Carolina’s most preferred insurance professionals.

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Another client is Coldwell Banker Sea Coast Realty’s Brett Knowles. He has found Don Bullard to be an outstanding service provider of insurance products related to real estate transactions. “This closing would not have occurred if not for the detailed information [Don] personally provided all parties and the willingness to resolve the insurance issue presented,” explains Brett. “[He was] able to accomplish this after the clients had been told by two other insurance agents that it could not be done.” As a Top Producing Realtor in Wilmington, Brett relies on professionals who can efficiently get the job done for his clients. That said, he has appreciated Don’s dedication in assisting him and his team with their clients’ insurance needs.

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For more client testimonials on Don Bullard’s services, visit this website.

Swept away: Don Bullard on flooding and flood risks

Don Bullard is an independent insurance agent and founder of the insurance firm Don Bullard Insurance in Wilmington, North Carolina.

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Persistent rainfall combined with melting snowpack caused historical flooding along the Mississippi River and its tributaries in 2011. Estimated economic losses range from $3 to 4 billion. Fourteen people were reported killed in Arkansas. Death toll from the raging floods reached 392 across seven states. Thousands of homes were ordered evacuated, including over 1,300 in Memphis, Tennessee, and more than 24,500 in Louisiana and Mississippi.

The National Weather Service notes that more people in the United States are killed by floods than other types of severe weather. The organization points out that in recent years, only heat surpassed flood fatalities.

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Anywhere it rains, it can flood. Thus, insurance experts, like Don Bullard, assert the importance of flood insurance. Although many homeowners deemed it unnecessary, flood insurance is important if people wish to keep their homes safe and possessions secure. All it takes is a few inches of water to cause damage to a home and its contents.

For example, according to FloodSmart.gov, total losses incurred as a result of 6 inches of flood water in a 1,000-square-foot home is around $20,150. For the same height of flood in a 2,000-square-foot home, total losses climb to $39,150.

Flood coverage offers protection against such kind of losses which result from heavy and lengthy rainfall, storm surges, blocked storm drainage systems, and snowmelt, among others. Different types of policies are available based on a property’s location and its flood history.

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To know more about the flood insurance policies offered by Don Bullard Insurance, visit www.donbullard.com.

Distractions and accidents: Don Bullard on liability auto insurance coverage

North Carolina Department of Transportation (NCDOT) states that roughly 220,000 vehicular accidents are reported annually, with over 120,000 North Carolinians injured and 1,500 killed per year. Wilmington-based Don Bullard Insurance tackles the statistics to explain how the Tar Heel can leverage foresight and protect themselves from financial ruin should they encounter accidents.

The NCDOT and other experts agree that speeding and driver distraction are two of the top causes auto accidents. With their prevalence in the state, it became a requirement for all drivers to have liability coverage to protect motorists should accidents occur.

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Liability auto insurance coverage 101

Liability auto insurance is comprised of three separate components: bodily injury per person, bodily injury per accident, and property damage. Bodily injury refers to when a policy holder is responsible for an accident and hurts another person. Property damage is when a policy holder causes damage to another person’s property, which includes a car and/or structural repair.

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Don Bullard Insurance emphasizes that liability coverage only pays for the victim of an accident should the policy holder be at fault. Also, there might be instances that the policy holders have financial responsibilities that exceed their liability limits. For example, the driver incurred $85,000 worth of damages and only has an insurance limit of $65,000. In this case, the driver is responsible for the remaining $20,000 and could be sued for it.

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Because of this risk, agents at Don Bullard Insurance encourage everyone to insure themselves above the minimum requirement to minimize the risk of out of pocket expenses should accidents arise. Additional information about the insurance firm may be accessed at www.donbullard.com.

Avoiding lawsuits in your own home: Don Bullard and personal liability protection

Insurance experts like Don Bullard agree that homeowners insurance is a necessary investment to protect your home and properties from natural disasters, theft, and accidents. But aside from these, homeowners insurance also protects you and your family from lawsuits due to accidents that occur within your property. This coverage is called a personal liability protection.

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For instance, your neighbor’s daughter was wandering in front of your house where your dog usually sits. While playing with the dog, the child accidentally pulled its tail, causing the dog to bite the child. Because of this unfortunate incident, the child’s parents filed a lawsuit against you for the physical injury and possible trauma that their daughter has suffered.

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According to insurance experts like Don Bullard, a personal liability protection can help you pay for a lawyer who will represent you in the lawsuit case. In a typical homeowners insurance policy, personal liability has a minimum coverage of $100,000 per occurrence. For homeowners who want to have more coverage, getting an umbrella insurance policy is recommended.

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Just like the other types of insurance coverage, personal liability protection has some exceptions. These include business-related incidents, intentional acts, and incidents which are covered by auto or workers’ compensation insurance.  

Don Bullard Insurance’s team of experts can provide clients with a homeowners insurance policy that fits their individual needs. More information is available at www.donbullard.com.

Don Bullard and Wilmington NC Health Insurance: Creating customized insurance policies

Buying health insurance may seem costly, but it’s an important safety net for every person. If you’re a Wilmington, North Carolina resident looking for a reliable insurance policy, consider getting Don Bullard’s Wilmington North Carolina Health Insurance.

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Having an insurance policy is encouraged since it will eventually cut your costs, especially when you get sick and need medical attention. Getting insurance is a wise decision for it prevents paying for medical bills during emergencies. What’s worse than not being insured is that it leaves you with years of debt due to the expenses incurred during your stay at the hospital. To add to that, being uninsured means you’re less likely to have preventive care, making you more prone to illnesses and hospitalization. Many health policies even extended their coverage beyond standard medical care, offering allowances and memberships.

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Don Bullard’s Wilmington Health Insurance offers coverage for the following:

• Doctor consultations
• Prescriptions
• Laboratory and other medical tests
• Specialized care
• Surgical procedures


At Don Bullard Insurance, you can rest assured that you get the best policy that works for you. The firm has insurance agents to help you create a coverage that considers your needs, health situation, and financial status. Other types of affordable health care coverage from the company are Indemnity Health Plans, Health Maintenance Organizations (HMOs), and Basic and Essential Health Plans, among others.

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More information about Don Bullard, its Wilmington Health Insurance, and other insurance policies can be accessed at www.donbullard.com.

Don Bullard: Why auto insurance is important

Many people consider their cars as one of their most valuable possessions. Don Bullard Insurance can provide you with the needed protection for that hard-earned vehicle sitting in your garage.

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In the country, majority of states require drivers to first obtain car insurance prior to taking their vehicles on the road. Aside from the fact that it is mandatory, having car insurance is also a sure way of protecting yourself and your car. It is important in recovering from the financial and emotional damages that a vehicular accident can bring.

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It is best to look for an insurance company that can offer you a wide array of auto insurance coverage to choose from. At Don Bullard, there are insurance agents who can help you in conducting extensive research on the available options before choosing the plan that suits your needs. Among the auto insurance plans the company offers are:

• Full policy coverage -- offers protection if an accident occurs due to an error on the part of the policy holder

• Collision coverage – takes care of all the repair and replacement expenses

• Comprehensive coverage – covers the damages that occur or might have occurred from events other than accidents, such as flood or theft

• Personal injury – includes basic expenses like hospital bills and even part of income loss due to accidents

• Liability auto insurance coverage – protects accident victim if the policy holder is at fault

• Uninsured motorist coverage– protection against uninsured care drivers

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For more information on auto insurance, visit Don Bullard Insurance’s website at www.donbullard.com.

Don Bullard Insurance: Covering for renters

While a renter’s insurance is usually optional, Don Bullard Insurance recommends getting one for your property and for your personal security. When times get tough, it is a good way to make sure that you are not empty-handed and that you are not out of options.

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A renter’s insurance is meant for those who live in apartments or in rented houses. It protects your personal items in cases of theft or calamity, and may cover certain personal expenses and liabilities. It typically does not cover fallen ceilings or broken walls—these are usually shouldered by your landlord—but it can help you for your damaged stereo or TV, and for your temporary housing expenses if ever your rental needs fixing.

From Don Bullard

In purchasing a renter’s insurance, Don Bullard suggests checking the so-called “named perils coverage” stated in the policy. This is a list of all the possible causes for property damage covered by the insurance. This list typically includes fire or lightning, windstorm or hail, explosions, riots, aircrafts, freezing, and other commonly occurring hazards that could ruin your property. This coverage applies whether you are at home or abroad.

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Having a renter’s insurance is an excellent protection for your belongings, but not for your roommate’s. Generally, the insurance covers only your and your relatives’ items. If you are not related to your roommate, each of you will have to get a separate insurance for your belongings.

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For more information about Don Bullard Insurance and the insurance services the company offers, visit www.donbullard.com.