The O’Connor journal

A little knowledge. A clearer next step.

From our journal.

House framing under construction, illustrating North Carolina general contractor license requirements
by Michelle O'Connor • 2 November 2026
What North Carolina requires for a general contractor license: the Licensing Board threshold, financial requirements, exams, and insurance.
Small Charlotte office with client files and a server cabinet, subject to the North Carolina data breach law
by Michelle O'Connor • 2 November 2026
What North Carolina's Identity Theft Protection Act requires of businesses after a data breach, including notice deadlines and cyber insurance.
Warehouse loading dock with forklift in North Carolina, illustrating workers comp experience mods in North Carolina
by Michelle O'Connor • 2 November 2026
How the NC Rate Bureau calculates your North Carolina workers comp experience mod, why one claim can raise premiums for three years, and how to bring it down.
Brick storefront on a North Carolina main street, the kind of small business a business owners policy covers
by Michelle O'Connor • 2 November 2026
What a business owners policy covers in North Carolina, including property, liability, and business income, plus the gaps it leaves open.
Lake Norman backyard with a pool, dock, and boat lift, exposures covered by North Carolina umbrella insurance
by Michelle O'Connor • 2 November 2026
How to choose umbrella limits in North Carolina based on net worth, teen drivers, pools, and lake toys under the contributory negligence rule.
Small business storefronts on a North Carolina main street, illustrating business insurance costs in North Carolina
by Michelle O'Connor • 2 November 2026
Typical North Carolina business insurance premium ranges by industry for general liability, workers comp, property, and commercial auto.
Private dock and covered boat lift on Lake Norman, North Carolina homeowners insurance
by Michelle O'Connor • 2 November 2026
Whether homeowners insurance covers your Lake Norman dock, boat lift, or boathouse, Duke Energy shoreline rules, and when you need a separate policy.
Framed house on a North Carolina job site where a general contractor reviews a certificate of insurance
by Michelle O'Connor • 2 November 2026
How to read a certificate of insurance in North Carolina: additional insured status, waivers of subrogation, policy dates, and common red flags.
Food processing line in a North Carolina plant, food product recall insurance
by Michelle O'Connor • 2 November 2026
How food product recalls work for North Carolina manufacturers, the roles of FDA and NCDA&CS, recall costs, and what recall insurance pays.
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