Do I need to have a valid driver’s license to buy an auto policy?
To register a car, you need to have a valid driver’s license, but you do not need to have a license to buy a policy. You need to have a valid form of ID, foreign ID or permit.

Can I add family members to my auto insurance plan? 
Depending on the type of policy, you can add family members.

If I’m buying a house, what type of coverage do I need? 
A standard homeowners policy if the home is going to be owner occupied.

If I have an expired license, can I still be covered? 
Yes, you can. Several companies offer full coverage and liability with an expired license.

I’m planning on opening my own business. What type of coverage do I need? 
To start out, you will need general liability and workers’ compensation.

If I use several cars for my business, do I need a business automobile policy?
Yes, you will need a business automobile policy.

What is general liability? 
General liability is a type of policy in the United States insurance market. It’s typically the “first line” of coverage purchased by a business. The policy covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises; it also covers risks due to the business operations, personal and advertising injury, and medical payments.

What is workers’ compensation? 
Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured over the course of employment. In turn, the employee’s right to sue his or her employer for the tort of negligence is relinquished.

How long would it take to receive a certificate of insurance? 
Depending on the type of certificate, it could take up to 24 to 48 hours to receive it.

Do I need life insurance? 
For individuals, if your income supports others, you should have some sort of life insurance. Typically, most advisors recommend 10-15 times your annual income. Other people choose to have life insurance to cover any final expenses, such as medical bills, funeral expenses, and outstanding debts. For a business owner there are even more reasons to have life insurance, such as funding succession and key person protection.

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    * Latorre Insurance offers coverage to residents and businesses of North and South Carolina ONLY.