Brown Insurance Agency

Take this time to secure items in your yard that may become projectiles and review tornado safety plans!

⛈️ Severe Weather Update: The Severe Weather risk for Monday is increasing across a portion of the state. The Storm Prediction Center has issued a rare level 4/5 (Moderate Risk) for severe weather for most of Central North Carolina into Southern Virginia due to the increasing risk of damaging winds and tornadoes. Most of the rest of Central and Eastern NC is under a level 3/5 risk, and the rest of the state is under a level 2/5 and 1/5 risk.

-👀WHAT: A very strong cold front, accompanied by very high upper-level winds (wind shear), will move through the state on Monday. As these ingredients come together, the risk of strong to severe storms will develop. There remains some uncertainty about how much CAPE (Convective Available Potential Energy) there will be on Monday. More sunshine on Monday morning into Monday afternoon would increase the risk of discrete thunderstorms, thereby increasing tornado risk. The risk of this appears to be increasing.

THREATS: The main threat is damaging straight-line winds from a line of storms that'll move west to east late Monday morning into the afternoon and evening. However, the tornado threat is there, especially in the level 3/5 and 4/5 risk. We will have to watch for discrete cells across Central and Eastern NC late morning into the afternoon for tornado risk.

😎 The Bottom Line: There is an Enhanced and Moderate (Level 3 of 5 and 4/5) risk for severe storms across Central and Eastern North Carolina this Monday as a potent cold front moves through. The primary threat will be damaging straight-line winds, though large hail and tornadoes are also possible. There is no reason to panic, but today would be a good idea to make sure your severe weather plans are in place. Watch out for scary hype going around. I’ll keep you updated, as I have for nearly a decade, with down-to-earth forecasts.
-Ethan

We will be closed Monday - 2/2

Stay safe & warm!

Understanding risk isn’t just for insurance people — it’s for anyone who wants to stay in business. Hear me out👂

Risk shows up in ways you don’t always expect — and it can cost your business thousands … even millions.

As business owners, we spend so much time focused on growth that we often overlook what could derail it. But identifying and managing risk isn’t just a nice-to-have — it’s part of being resilient.

And that’s where we come in.

Here are a few real-world examples we've seen:

🔹 You didn’t realize your lease makes you financially responsible for water damage caused by your neighbor… and you don’t have the right coverage.
🔹 A client’s email gets hacked — and you almost wire $50,000 to a fake vendor.
🔹 You’re sued unexpectedly, and now your business and personal assets are on the line.
🔹 A small pipe bursts and shuts down your business for 2 months. The bills don’t stop just because the doors are closed.

These things don’t just happen to “big” businesses — they happen every day to people like us.

As your insurance partner, our job isn’t just selling policies. It’s helping you spot the risks you might not even know are there — and putting a plan in place to protect what you’ve worked so hard to build.

What’s one risk in your business you’ve been avoiding? Let’s talk about it — before it becomes a problem. Call us today!